What keeps you awake at night? Top of the list for many people is the concern over what would happen if they were unable to work, or the financial implications for their family if they were to suffer an accident, serious illness or premature death.
Business owners and self-employed people often feel particularly vulnerable, as they don’t have the increasing variety of employee benefits common in larger workplaces.
A common misconception is that financial protection policies are poor value, but the track record of most insurers proves that they do pay out when needed.
By talking to you and understanding your complete personal and financial circumstances we will recommend the types of cover you need to ensure that you and your family are protected from the financial impact should the unexpected happen. The options we explore with you may include:
Most importantly, we are independent financial advisers, so our recommendations will always be based on a full understanding of your needs and circumstances. We’ll help you with your applications to reduce the risks of errors, omissions and non-disclosure.
Most insurers have a very high payout rate on their policies, and the main reason for insurers refusing to pay a claim is non-disclosure of important facts in an application. With our help, you can be confident you have provided the correct information.
If you already have protection in place, we are happy to review it for you to ensure that it still meets your needs. We take a completely transparent approach and will only recommend a change if it is necessary. We are independent advisers, and only recommend replacement products when they are the right solution to a specific need.
We’ll also advise you on the most tax-efficient way to set up your policies, using trusts for example, to help your loved ones get the most benefit from any payout.
I was recommended to seek advice regarding my various pensions and met with Rebecca. Her advice has been invaluable. She explained all the options available to me and guided me through the process ensuring that I achieve the maximum potential of each plan. She is extremely professional and I would recommend her without hesitation.
Financial planning is not an easy subject for me so I was rather daunted at first. I was pleasantly surprised after having the initial consultation that my expectations were clearly and professionally taken care of. Thank you.
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