Personal & Business Protection

Personal Protection

Protect you and yours and maintain peace of mind with the knowledge that your loved ones will be taken care of financially, after you have gone.  There are many products on the market, offering life assurance, mortgage protection insurance, critical illness insurance, income protection insurance in different forms.

Choosing the correct covers are vital and it is important that you feel confident and in control of how you and your family would survive such devastating and life changing events.

We offer clients solutions that are matched to the individual needs and objectives, that are modern, competitive and aim to cover the following areas:

  • Personal Protection
  • Protecting your family
  • Protecting your income
  • Protecting your savings

Following a complimentary consultation in which we will identify those areas where cover is most urgently needed and affordable we also provide comprehensive report that will highlight all areas where cover is available and identified as a need. It is our policy to only recommend clients solutions that are affordable and appropriate and all our recommendations are reviewed on a regular basis.


Business Protection

In most small and medium sized companies the success of the business depends on just one or two key people. If you’ve worked with these people for many years it’s easy to underestimate just how valuable they are, how much they know about the company, how many extra hours they put in.

But we can never be sure what’s around the corner. Sometimes, without warning, life throws the unthinkable at us. And that’s why business protection is so important. You can’t predict what will happen in the future, but you can make sure you have the right protection in place to help keep your business afloat if a key person becomes critically ill or dies.

What is business protection?

It’s an insurance contract that helps protect your business from the effects of key people being diagnosed with a critical illness or dying. You can use business protection to protect financial commitments as well as key people. Without the right business protection in place, you could end up risking everything you’ve worked so hard to achieve.

Types of business protection:

  • Loan protection – insurance to make sure a loan is repaid on the death or critical illness of a key member of the business
  • Ownership protection (or shareholder protection) – insurance which gives the owners of the business a cash sum to buy the share of a co-owner who becomes critically ill or dies
  • Key person protection – insurance against the loss of profits that could result from the critical illness or death of a key person, by paying out a cash sum so the business can continue trading.