Careful planning can determine your financial well-being, both now and in the years to come. By protecting the things that matter you can help secure your own, your family’s or your business’ financial future.

Having the protection that can cover you against illness or disability, and the consequences, can help soften the blow and may allow you to:

• clear debts, such as your mortgage,
• provide regular income,
• and/or provide a capital sum to allow for lifestyle changes.

Many people decided to ignore the threat because of inertia and the feeling that they will be okay. Whilst most insures their house and car, ignoring yourself or your family can have devastating consequences.

I help lead you through the difficult questions and allow you to explore, and draw conclusions in how you would deal with ill-health for you or your family.

The financial protection options are:

Life Assurance/Terminal Illness Benefit – These pay out a lump sum on your death and come in two forms: term and whole of life.

Income Replacement Plan – Your income earning potential is likely to be your family’s most valuable asset. Income Replacement Plans are designed to provide you with an income should you be unable to work for a prolonged period because of illness or injury.

Critical Illness Cover – Provides a lump sum in the event of you being diagnosed with a serious illness. They can be structured on a term or whole of life basis.

We’re here to ensure that, when it comes to protecting your estate, you’ll get all the help, advice and support you need.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

*Trusts are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.