Our Protection Services
We can provide independent tailored advice on both business and personal insurance, we can help protect both your future and current finances. We will advise and recommend suitable contingency plans to protect the areas that are the most important to you.
We have access to the most reputable, leading insurance providers in the market, which allows us to recommend the most suitable policies based on your individual circumstances.
It is important to protect your family and secure your future. With many years of experience and access to the leading insurance providers, we can provide expert advice that is tailored to you.
Types of insurance products we have access to are:
Life insurance is designed to protect your dependants, such as your children or a partner, financially in the event of your death. An insurance policy is written out in your name so that if you suffer an early death a lump sum or income is paid out.
Critical illness cover is a form of insurance that pays out a tax-free lump sum if you are diagnosed with a serious medical condition. It is designed to help you deal with the financial implications of your illness, such as having to pay medical bills or adapt your home to your changing needs.
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Your business will be important to you, so our advisers can help you protect it from unexpected events that could lead to a financial loss.
Types of insurance products we have access to are:
Shareholder protection – Shareholder protection comprises of two things. The first is a policy that pays a business a lump sum on death or serious illness of one of the shareholders to enable a share buyback. The second is a cross-option agreement, which gives the company both the means and ability to enforce a share buyback.
Keyperson – Keyperson insurance protects your business if the key person is diagnosed with a terminal illness or if they pass away. Having key person insurance means the plan pays out a lump sum to cover any loss in revenue and costs involved in replacing them.
Relevant life plan – A Relevant Life Plan is a way for small businesses to arrange life insurance for their employees. It pays a lump-sum to the employee’s family if they die or are diagnosed with a terminal illness with a life expectancy of less than 12 months. It is most suited to smaller business that do not have larger group schemes and/or wish to top up existing policies.
Business Loan Protection – Business loan protection insurance will provide funds to repay a loan, commercial mortgage, or a director’s loan if one of the business owners dies or suffers a critical illness.
Group protection – Group protection comes in a number of different forms: group life insurance, group critical illness cover or group income protection. These policies are arranged by a Limited Company for some or all of its employees.
Our fees are as follows:
What we can do:
