Protection products can give you the peace of mind that your loved ones will be looked after financially if you fall ill or are unable to work. But they can also be used to safeguard your business or cover a debt, such as your mortgage. As everybody is different, it’s important to get an expert recommendation from an adviser who understands the finer points of each policy and can select quality cover that is suitable for your needs and circumstances.

We can help put plans in place for whatever life throws your way, including:

1. Ensuring your loved ones can cope financially should you die unexpectedly.

2. Making sure you have financial help should you get a life-changing medical condition.

3. Arranging a regular income to support you should you be unable to work due to illness or injury.

4. Safeguarding mortgage payments if you are unable to work due to illness or redundancy.

5. Financial support for you if you should become permanently disabled and unable to work.

Are there any costs?

We will not charge you a fee for advice that covers the following:

• Life assurance

• Critical illness

• Income protection

• Accident, sickness and unemployment

• Private medical insurance

The insurance provider may charge you separately for any particular insurance policy. You will receive a quotation from the provider that will tell you about any fees. We will be paid commission by the insurance provider that will be included in the premium you pay to them.

There is no fee for the ongoing service we provide, as we will have been paid commission from the insurance provider at the start of your plan. It is important to ensure your insurance provisions remain in line with your requirements, which may change over time. We will be happy to review this for you should you ask us to. Where there is no ongoing service in place, we can provide many services on an ad hoc basis. An additional fee may be required.