Protection and insurance

We insure our cars, homes, holidays and even our pets! But when it comes to insuring our lives and providing our loved ones financial protection, we often put it off for another day.

Planning for all eventualities

What would happen if the primary earner in your family was to die suddenly, or if a family member developed a serious illness? What if the same happened to a primary caregiver?

Our role is to help put in place the best solutions for you and your family and make the process as straightforward as possible. We can discuss all of the protection and insurance options available to you. Whether it’s long-term care, short-term employment cover, critical illness, or life insurance, we can help you find the right protection for your needs.

We’ll complete a comprehensive review of any existing life insurance and healthcare policies you may have and identify any potential shortfalls. We’ll also take an in-depth look at what you are covered for, and recommend alternative solutions where appropriate.

Life insurance
This protects your family or dependents financially in the event of your death and is designed to pay money to your family.
Critical illness cover
This type of insurance pays out a lump sum if you are diagnosed with a serious illness. The list of conditions is often comprehensive.
Income protection
This will typically pay out a monthly amount of money if you are unable to work due to illness, disability, or injury. Similar provision can be made in the event of redundancy from your job.

Our other services

Pension planning

Pension planning is fundamentally about retirement planning. Our expert financial advisers can help ensure that your pension will provide you with the income you’ll need in retirement.
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Investment planning

Our investment expertise is central to our financial advice offering. We fully appreciate the significance of what you entrust us to do with your wealth and we never take that for granted.
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In retirement planning

Our advisers can help you use the right blend of secure and flexible income to fund your retirement, and leave a legacy for your loved ones.
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Inheritance Tax and estate planning

Our advisers can help you navigate the UK’s complicated and changing tax regulations, so that those who benefit from an inheritance will only pay the necessary amount of tax.
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Tax optimisation

Tax rules in the UK are amongst the trickiest in the world. They are very complicated and change often. Our advisers can make sure you only pay the necessary amount of tax due.
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Later life and long-term care planning

Caring for older loved ones or needing care yourself can be complicated and emotionally challenging. We can guide you on the best possible route for later life and long-term care.
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Annuity Bureau

An annuity enables you to exchange some or all your pension pot for an annual income. This is guaranteed for a certain period, often the rest of your life.
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Are you retirement ready?