Financial protection plays a crucial role in securing your long-term goals. We help individuals,
families and business owners put the right cover in place to ensure life’s unexpected events don’t derail their financial future.

Why Financial Protection Matters

Unexpected illness, loss of income or the death of a loved one can have a major impact on your finances. With the right protection, you can maintain stability, safeguard your lifestyle and support those who rely on you.

Our Protection Services

1. Life Insurance
   • Life insurance provides a lump-sum payment to your beneficiaries should you pass away during the policy term. We help you determine the right type and level of cover to protect family members, repay debts (outstanding mortgage), support long-term financial plans and maintain financial stability at a difficult time.
2. Critical Illness Cover
   • Critical illness cover pays a tax-free lump sum if you’re diagnosed with a serious medical condition listed in the policy. It can help ease financial pressure by covering treatment costs, lifestyle changes or income gaps during recovery.
3. Income Protection
   • If you are unable to work due to illness or injury, income protection can replace a percentage of your regular income until you return to work or reach retirement age. This is particularly valuable for self- employed clients without employer benefits. A cost-effective alternative to traditional life insurance, this cover pays a tax-free monthly income to your family if you die within the policy term. It helps ensure ongoing financial support for day-to-day living.
4. Business Protection
   • We assist business owners with tailored solutions to protect profits, ownership and key personnel. Business protection helps safeguard a company if a key person, director or shareholder dies or becomes critically ill. It can help maintain operations, protect profits and support ownership continuity.
5. Whole of Life Protection
   • Whole of life insurance provides cover that lasts for your entire lifetime, rather than a set term. It pays out a guaranteed lump sum to your beneficiaries whenever you pass away, as long as premiums are maintained. This type of cover is often used for estate planning, inheritance tax planning, or ensuring a guaranteed payment for loved ones. Premiums are typically higher than term insurance because the policy is guaranteed to pay out, and reviews may apply depending on the type of plan.

Our Advice Process

We follow a clear and thorough approach:

1. Understanding Your Circumstances – Your goals, income, liabilities and family needs.
2. Identifying Gaps in Existing Cover – Ensuring no area is overlooked.
3. Whole-of-Market Research – Comparing providers to find the most suitable solutions.
4. Clear, Personalised Recommendations – Aligned to your priorities and budget.
5. Ongoing Reviews – Ensuring your cover remains appropriate as life changes.

Why Choose Us

• We are Independent and provide unbiased advice.
• We do whole of market research and will provide transparent recommendations
• Tailored solutions for individuals, families and businesses

Get in Touch

If you’d like to discuss how protection insurance can safeguard your future, contact us for an initial consultation.