Our clients and their families entrust us with in excess of £500 million of sums assured to enable their families and business to continue in the event of life not going to plan.

Protecting what you already have seems an obvious thing to do; we protect our houses, our cars, our travel arrangements and our belongings. A great number of people fail to consider the effects of not protecting their incomes, their debts, their quality of life.

There is such an array of policies available to the consumer that the choice can often be bewildering. Guidance and discussion is vital in ensuring that you provide yourself with the correct amount of cover, for the right length of time that benefits the people you most want it to.

Life Assurance

Life assurance has one very simple aim: it provides those left behind with the money to allow them to continue the life you had. With the correct level and type of life assurance, in the correct policy, your family can live in a home free of mortgage, the lifestyle you were working towards can be maintained, children’s school fees can continue and all the other things in life you had planned for.

Income Protection

As its name suggests, this policy provides an income, should you be unable to work due to an accident, illness or disability. To us, income protection is the cornerstone of all financial planning – without your income, no savings, investments or protection policies can be paid for or maintained. Household bills, mortgage payments – all can be covered to give you peace of mind.

Key person

For many companies, Key Person cover is a critical part of their business strategy. Planning for the future is as vital as is analysing the day-to-day operational success of the firm.

Key Person insurance is a highly specialised area of financial advice and we work closely with our clients to ensure that there is no threat to their ongoing business operations should a key member die or suffer a life-threatening illness.

Business partnerships are vulnerable to many outside factors – personalities may clash, directional strategy may differ. One thing we can help you control, however, is what happens to your business should your partner die and how their share of your business is inherited. The person who inherits your business should be you. We work alongside your company accountant and solicitor to ensure that you have a robust and legal solution to the death of a partner.

Shareholder protection helps shareholders settle any future problems – for instance the death of one of the shareholders or when a shareholder (who is also a key member of the business) suffers from a serious illness. The insurance provides the other shareholders with the means to buy the shares back from the deceased’s estate or from the sick shareholder, if this is the course of action to be followed. This insurance is supported by legal documents that ensure that, should the worse happen, your business can continue to trade and flourish.