All of our clients are offered a full financial review at no extra charge. Any protection we recommend will be tailored to your needs and circumstances and will take into account existing cover, including employee benefits if applicable.


Do you need to protect a partner or family, either by ensuring the mortgage is cleared or there is an ongoing income in the event of your death?

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained then cover will lapse.


If you contracted a condition that is considered ‘critical’ you might welcome a lump sum to pay for private treatment, home alterations, holiday of a lifetime or just to give you financial breathing space while you re-assess your future.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.


Often the most important and most overlooked! What happens if you cannot work due to illness or injury? How long will your employer pay you sick pay for and do you think you can survive on state benefits after that?

Income protection plans that have no investment link have no cash in value at any time and will cease at the end of the term. If you stop paying your premiums your cover may end.


This is similar to income protection but the cover amount and term are usually restricted. Can be ideal for clients with riskier occupations where income protection proves too expensive.


How long can you pay the mortgage, bills and living costs if you were made redundant? Short term cover may be available to help you manage until a new job is found.


So many people know they should have one but don’t . Do you know what will be happen to your estate and who will take care of your children if you die without a valid Will? See the laws in intestacy here We can recommend a Will Specialist if required (for which we may receive a fee).

Will writing is not regulated by the Financial Conduct Authority.

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