For You / Protection Planning
For individuals & business owners
Protection Planning
Good planning includes preparing for the things you hope will never happen. Protection means your family or your business stay financially secure even when life takes a sudden turn.
This service supports clients who are:
Overview
Protection that fits the life you have built
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.
Types of cover we arrange
- Life insurance (single or joint)
- Critical illness cover
- Income protection
- Family income benefit
- Key person cover for businesses
- Shareholder protection
- Cover written in trust where it makes sense
In detail
Different needs, different solutions
What protection looks like depends on whether the priority is your family, your business, or both.
For individuals and families
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 business owners
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.
Common questions
Frequently asked questions
How much life insurance do I need?
A rough starting point is 10 times your annual income, but the right amount depends on your mortgage balance, number of dependants, any existing cover through work, and how long your family would need financial support. We work through this properly in a financial review.
Is income protection worth having?
For most working people, yes. State benefits are limited, and most employer sick pay runs out after a few months. Income protection replaces a proportion of your salary if you cannot work due to illness or injury, and can pay until retirement age if needed.
Can business owners get protection through their company?
Yes. Relevant life policies are paid for by the company and sit outside your estate, making them tax-efficient for directors. Key person cover protects the business against the financial impact of losing a key employee. Shareholder protection ensures partners can buy out a deceased shareholder's share.
See how we helped
A couple in their late 50s, retiring with confidence
A real, anonymised example of this advice in practice.
The first conversation is free
Review your protection
Book a no-obligation conversation. We’ll talk through where you are now and explore whether we can help.
Book a meeting →The Financial Conduct Authority does not regulate Wills, Trusts, Tax advice or Cash Flow Planning. 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.