Protection

Life insurance
This policy can safeguard your loved ones with either lump sum or monthly payments in the event of your death. Whether you are looking to pay off a mortgage or to secure a quality education for your children, we will work with you to find the right policy for your specific requirements.

Critical illness insurance
This policy is designed to pay out a pre-agreed lump sum if a critical illness is diagnosed. This will lighten the burden by providing funds for medical fees, rehabilitation, after care and lifestyle changes.

Income protection/Permanent health insurance
This policy is designed to supplement your full salary in the event of serious illness or incident which leaves you unable to work. It is paid up until the day you would have retired. The regular payments will cover you and your family’s living expenses in combination with your state benefit.

All three policies can be combined to create a complete protection plan, or taken in isolation to cover for the particular area of risk that is of concern to you. Our independent financial advisers will discuss these options with you so you are in the best position to make the right decision for you as well as your family.

• Regular participation in dangerous sports/hobbies i.e. piloting, motor sports, scuba diving, parachuting
• High-risk occupations/travel to high risk areas i.e. oil and gas industries, armed forces, travel to war zones
• Existing medical conditions i.e. high blood pressure, obesity
• Poor medical history
• Smokers.

Disclosure is required during initial setup of your policy. Our independent financial advisers will be able to provide full assistance during this stage.

Standard Exclusions:

• Deliberate exposure to fatal danger
• Suicide
• Participation in war
• Drug and alcohol abuse

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

I travel outside the UK regularly for work-will I be covered abroad?
Regular foreign travel is covered in our policies. As always, if you have anything specific like, for example, travel within war zones, make sure this is declared during one of your initial consultations.

I have family history of a medical condition, how will this affect my insurance?
Insurers have two ways of covering more likely events into your policy. The first is called ‘rating’, which simply means increasing your premium in relation to the added risk. This makes cover more expensive but provides you with full protection. The other is to add the specific risk as an ‘exclusion’. This keeps the cost to you as low as possible, but leaves you without protection for the specific risk. Our independent financial adviser will be able to provide you with more information on all the options available to you.

What will my family need to do in the event of my death?
In the event of your death, we will undertake all the necessary actions on behalf of your family such as collating all information, completing claim forms, speaking with the insurers and providing regular updates. Our expert independent financial advisers will work with your family to quickly and sensitively provide the necessary support, advice and action.

In a time of tragedy, the last thing anyone wants is to have to worry about their financial affairs. Our goal is to take these concerns away from your beneficiaries. We will be able to support with issues such as:

• Making a claim, filling out forms and liaising with the insurers
• Administration support with any other claims (from other providers), updating records, retitling assets
• Unusual or difficult situations such as death whilst abroad and travel arrangements for family members
• Advice for ceremony preparations, transport and homing of the deceased
• Support with organising grief counselling
• Financial guidance for the future after payment, and advice on continued safeguarding for children and beneficiaries

• Financial Planning: Lifetime ISA
• Financial Planning: Help-to-Buy ISA