Protection Cover

Protection cover – an overview

There is a clear need for the breadwinners of a family to be covered against various ‘catastrophic’ circumstances that could reduce or eliminate the family’s ability to continue in the lifestyle it is accustomed to.

Finding the right debt and mortgage protection, life assurance, income protection, or critical illness cover is not easy, and even harder is ensuring that the benefits end up with the people they were designed to protect and not HMRC.

Independent protection advisers

As independent financial advisers, we are able to guide you through the entire protection market, making sure you receive the best value plans available to meet your requirements. We will also discuss the use of trusts to ensure that the people you care about most benefit from the proceeds.

The main benefits of getting protection cover include:

• Ensuring that you can maintain your lifestyle and cover your living expenses
• Protecting your family’s financial security in the event of unexpected events
• Providing peace of mind and reducing stress during difficult times
• Getting expert advice on the level of cover that best suits your needs and budget
• Access to support and guidance throughout the claims process

Don’t wait until it’s too late to protect yourself and your family. Contact our protection advisers today to learn more about how we can help you secure your financial future.

Critical illness cover

Protecting yourself and your family against critical illnesses can provide financial security and peace of mind. Here are some reasons why getting advice on critical illness cover from our experts can benefit you:

• Your adviser can assess your specific needs and recommend the right level of critical illness cover to protect you and your loved ones
• We can help you understand the different types of critical illnesses covered and ensure that you’re protected against the most common ones
• Your adviser can provide you with a range of options from different insurers, so you can choose the policy that suits you best
• We can guide you through the claims process and provide ongoing support and advice throughout the life of your policy
• By working with us, you can have confidence that you’re making an informed decision and getting the protection you need

In summary, your critical illness cover adviser can provide you with bespoke advice to ensure that you have the right cover in place for your needs.

Income protection 

Income protection can help you maintain your financial stability if you’re unable to work due to illness or injury. Here are some reasons why getting advice on income protection cover from our experts can benefit you:

• Your adviser can assess your specific needs and recommend the right level of income protection to ensure that you can maintain your lifestyle and cover your expenses
• We can help you understand the different types of policies available and which one is best suited for your occupation and lifestyle
• Your expert adviser can provide you with a range of options from different insurers, so you can choose the policy that suits you best
• By working with an income protection adviser, you can get expert advice on the level of cover that best suits your needs and budget
• You can ensure that the policy covers your specific occupation and earnings
• An experienced adviser will provide advice on the exclusions and limitations of the policy, such as waiting periods and pre-existing conditions
• You can have access to support and guidance throughout the claims process.

In summary, our income protection advisers can provide you with personalised advice and help you choose the right policy to protect your income and financial security.

Mortgage protection 

Mortgage protection is an insurance policy that pays out a monthly benefit if you are unable to work due to illness or injury, ensuring that your mortgage repayments are covered. 

Here are some benefits of getting advice on mortgage protection cover.

By working with a mortgage protection adviser you can:

• Get expert advice on the level of cover that best suits your needs and budget
• Ensure and check the policy covers your specific mortgage and repayments
• Be fully insured in the event of sickness, and accident or become unemployed
• Get advice on the exclusions and limitations of the policy
• Have peace of mind knowing that you and your family are financially protected if you are unable to work and unable to make your mortgage repayments
• You can have access to support and guidance throughout the claims process

In summary, our mortgage protection advisers can provide you with personalised advice and help you choose the right policy to protect your home and financial security.

Schedule a consultation with a protection cover adviser 

If you are interested in critical illness cover, income protection, or mortgage protection, schedule a callback with one of our protection advisers today. 

Our team will provide you with tailored advice to help you choose the right protection cover for your needs. Don’t wait until it’s too late – schedule a consultation today!