Personal & Family Protection

With a wide range of cost-effective solutions, we’re able to address your concerns about having money to manage in the event of suffering a critical illness or dying prematurely.

We’re here to help and in the meantime have summarised the areas where most clients seek protection advice:

• Life Assurance
• Critical and Serious Illness Cover
• Mortgage Protection
• Income Protection
• Arranging appropriate cover following a divorce

 

Life Assurance

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Straightforward life assurance policies provide money to ensure loved ones can meet their commitments and carry on with life.  The priority is often the repayment of a mortgage and then, quite separate to this, an arrangement to provide sufficient income to meet ongoing fixed and discretionary expenditure.

Cost is always a key consideration for such policies together with the use of appropriate wills and trusts.

Family protection and peace of mind . . . right here

 

Critical Illness

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The financial impact that can follow a life changing event such as suffering a critical illness can be protected by policies providing capital and / or income.  Covering an ever-increasing range of illnesses, these policies allow us to get on with life secure in the knowledge that at least there’s no money worries as we concentrate on our treatment and convalescence.

Try us out for leading Defaqto and CI Expert analysis & research . . .

 

Mortgage Protection

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Having life assurance and / or critical illness to cover a mortgage provides the foundation for any financial plan.  An appropriate protection package is fundamental to the house buying experience, and can be achieved at a relatively modest cost.

Obviously, we never want to claim on these policies, however peace of mind is knowing that protection is in place should the worst happen.  As advisers we refer to this as a  moment of truth.

For the complete mortgage package, let’s check out some figures . . .

 

Income Protection

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Income protection policies are designed to replace money lost as a result of long-term absence from work.  The tax-free income provided removes the worry and distress that’s otherwise experienced due to financial pressures.  These policies allow us to better cope with potentially life changing events – enabling us to focus on our recovery and / or adapting to our new circumstances.

Naturally we prefer to avoid thinking about ill health, particularly when we’re younger – it’s just never going to happen!  But serious accidents and ill health can and do happen to anyone of us and at any time.  Having appropriate income protection lies at the very heart of what we do and, with a range of benefits and policy types, cover can be arranged at a relatively modest cost.

3 months off . . . 6 months off . . if you think you’d struggle, let’s find a solution. . .

 

Divorce & Financial Planning

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The upheaval that follows a divorce or separation inevitably leads to financial arrangements being broken up.   We understand and appreciate the upset and distress experienced at such a time and our advice is based on care and sensitivity as we look to provide for you and your children.  Our advice is focused on:

• Mortgage arrangements to secure a new family home.
• Protecting maintenance payments should a former partner die, or become long term absent from work.
• Personal protection needs to replace lost life assurance and critical illness policies.
• Looking to the long term and being able to secure an income in retirement.
• Rewriting wills, trusts and the appointment of trustees, executors and guardians.

Really difficult times we know however we’ll be on your side . . .

Please be aware:

For life, critical illness and family in benefit insurance we offer products from a selected panel of providers.

Will writing is not part of the Quilter Financial Planning offering and is offered in our own right. Quilter Financial Planning accept no responsibility for this aspect of our business.

Will Writing & Trusts are not regulated by the Financial Conduct Authority.