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Financial Protection

Helping you plan for the unexpected

Repay a mortgage (or other debts) in the event of death or critical illness.
Maintain your current standard of living if you were unable to work for a prolonged period of time.
Protect your family financially in the event of death (or the death of a partner).
Secure your business against the risk of losing a key member of staff.

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Financial protection planning can bring peace of mind in the event of the unexpected happening, meaning you and your family can remain financially stable and maintain your current standard of living.

We often underestimate our own value. We insure our homes, our cars, and our pets, but we forget about life protection and insuring our incomes.

Deciding what type and level of insurance to take can be a challenge, especially without the right advice.

Your financial adviser will get to know your personal circumstances and work with you to identify your potential risks. They will then provide you with independent financial insurance advice and source products tailored to you and your family.

Download Our Financial Protection Guide

Helping you to understand:

  • The need for protection
  • The protection options available
  • When protection should be considered
Download Guide
Financial-Protection

Financial protection - your key questions, answered

What is life insurance?

A life insurance policy can put financial provision in place for your family in the event of your death. When selecting a life insurance policy, you will usually choose between level term, decreasing term, or whole-of-life.

Level and decreasing policies both last for a predetermined length of time and will pay out a lump sum if you die within this period. Level term policies offer a lump sum that stays the same throughout the duration of the policy, whereas the lump sum from a decreasing term policy reduces over time.

What is whole of life insurance?

Whole-of-life policies are different as they run for the remainder of your life, rather than a set number of years. Paying out a lump sum at the time of death, these policies are often considered as a means of insuring against post death liabilities including funeral costs and inheritance tax.

What is critical illness or serious illness cover?

Critical or serious illness cover are types of insurance that pay a tax-free lump sum if you are diagnosed with a serious illness, or have to undergo certain surgical procedures. Similar to life insurance, this can be on a level or decreasing basis.

What is income protection?

Income protection is a long-term policy that is designed to pay a regular income should you develop an illness or injury that prevents you from working. It will continue to pay out until you are able to return to work, retire, or until the policy ends.

What is business protection?

If you own a business, it’s important to consider the risks associated with the death or incapacity of a key member of staff. Speak to your financial adviser to find out more about business protection.

What is home insurance?

While buildings and contents insurance may sound straightforward, it is important to remember that the cost of replacing everything that you own at the same time could be financially crippling for you and your family.

Do I need to review my protection products?

Your protection needs will change over time, and as you enter different stages of your life, key considerations and risks will need to be reviewed. It’s important to review your circumstances and level of protection regularly. Speak to your adviser about how they can support this process, and ensure your protection remains suitable.

Matching you with the right local adviser for your needs

We have over 1250 local advisers and staff specialising in investment advice all the way through to retirement planning.

Provide some basic details through our quick and easy to use online tool, and we’ll provide you with the perfect match.

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