Protection

Protection policies are an extremely important part of successful Financial Planning.

Broadly Protection Policies fall under 3 categories:-

• Life Assurance
• Critical Illness Cover
• Income Protection Plans

Life Assurance
Whether you are looking to cover a specific liability such as a mortgage or just looking for a policy to provide benefit for your dependents we can advise on and arrange a life policy for you. As an Independent Financial Adviser we can obtain a highly competitive premium for you for this cover.

Critical Illness Cover
Such policies will pay out in the event of you being diagnosed as suffering from one of a number of Critical Illnesses such as a Heart Attack or Cancer as defined by the Insurance Company. The illnesses covered can vary from insurer to insurer and therefore it is important to seek independent advice to ensure that you obtain the right policy for your circumstances.

Income Protection Plans
We will advise and arrange a suitable policy to provide you with an income should you be unable to work through accident, sickness or disability and we will source the best policy on the market for you. We will also take into account:-

• That the policy is flexible and cost effective
• That your chosen occupation class is fully catered for
• We can arrange for your benefits to increase each year
• Cover is available to both Employed and Self Employed Individuals.