Most people have some protection in place. Life cover from when the mortgage was first taken out. A bit of critical illness through work. Maybe income protection, maybe not. The question is rarely whether you have any cover. It is whether what you have would actually do the job if you needed it.
We look at the gaps. What would your family live on if you could not work for two years? How would the mortgage be paid? Would the business carry on if a key director was suddenly out of action? The answers point to what is needed, what is not, and what can be removed.
Get the structure right and you protect the plan you have spent years building, without paying for cover you do not need.
What protection looks like depends on whether the priority is your family, your business, or both.
For families, the priority is replacing income and clearing debts if the worst happens. We help you work out how much cover you actually need, structure it so payouts go where you want them quickly, and review it as life moves on. Cover written in trust can speed things up and help with inheritance tax.
For businesses, protection covers what would happen if a key director became seriously ill or died. Key person cover replaces lost profits. Shareholder protection lets the remaining owners buy the deceased owner's share without putting the business at risk. We make sure the policies fit the legal agreements, not the other way around.
The Financial Conduct Authority does not regulate Wills, Trusts or Tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future. The value of your investments can go down as well as up, so you could get back less than you invested.
Book a no-obligation conversation. We will talk through where you are now and explore whether we can help.
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