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Protection and insurance that pays out when it is needed
Recent experience has highlighted just how important it can be to have the right cover in place to protect you, your property and your loved ones should the unexpected happen.
Why it matters
Sometimes life does not go to plan.
Protection is the part of the conversation people are most tempted to skip, and the part that matters most if something goes wrong. The question is not whether a policy exists but whether it would actually pay in the circumstances you are worried about.
We start by looking at what you already have. Death in service through an employer, existing policies from a previous mortgage and sick pay arrangements all count, and often mean you need less new cover than you expected.
- Existing employer and legacy cover reviewed first
- Definitions compared between insurers, not just premiums
- Cover sized to the debt and the family, not to a target
- Trusts arranged where they speed up payment to the family
Types of cover
What we advise on
Cover for you, your family, your home and your business.
Life Insurance
Level or decreasing cover, written into trust where it makes sense, so the payout reaches the people it was meant for without waiting on probate.
Get in touchCritical Life Cover
Pays out on diagnosis of a defined condition. Definitions vary between insurers, and that difference matters far more than the monthly premium.
Get in touchIncome Protection
Replaces a proportion of your income if illness or injury stops you working. Deferred periods and occupation definitions are where these policies are won or lost.
Get in touchAccident Protection
Cover that pays out following an accident, giving you something to fall back on while you recover rather than dipping into savings.
Get in touchAccident and Sickness Protection
Short term cover for the period when you cannot work, bridging the gap before longer term arrangements or savings need to take over.
Get in touchBuildings and Contents Insurance
Most lenders require buildings cover as a condition of the mortgage. We make sure the sums insured are right rather than accepting a default figure.
Get in touchCommercial Insurance
Cover for the business as well as the household, arranged around what the business actually does rather than a generic package.
Get in touch
The review
Most people are either underinsured or paying twice.
A protection review takes one conversation and costs nothing. We go through what you hold now, what it would actually pay and in what circumstances, then set out plainly where the gaps are.
If the answer is that you are already adequately covered, that is what we will tell you.
Common questions
Protection questions we are asked most
Do I need protection if I already have cover through work?
Possibly not as much as you think, which is exactly why we look at it first. Death in service and employer sick pay both count, but they usually end when the job does, and the amounts are rarely matched to your mortgage. We work out the gap rather than selling over the top of what you already hold.
What is the difference between critical illness and income protection?
Critical illness pays a lump sum on diagnosis of a defined condition. Income protection pays a monthly amount while illness or injury stops you working, whatever the cause. They solve different problems and many people benefit from some of each rather than all of one.
Why does the policy wording matter so much?
Because it decides whether a claim pays. Two critical illness policies at the same premium can define the same condition very differently, and an income protection policy that defines incapacity against any occupation rather than your own is a materially weaker promise. We compare definitions, not just price.
What does writing a policy into trust do?
It means the payout goes directly to the people you have named rather than into your estate, so it is not held up waiting for probate and generally sits outside inheritance tax. It costs nothing to arrange at the point the policy is set up.
Can you arrange cover for a business?
Yes. Alongside personal protection we advise on commercial insurance, arranged around what the business actually does rather than a generic package.
Find out what you already have.
One conversation is usually enough to tell whether your existing cover would do what you expect it to.