Child Protection

Protect your children in every moment.

As a parent, your top priority is your children’s well-being. While you work hard to provide a stable and secure life for them, unexpected events can disrupt even the best-laid plans.

Why is protecting your child important?

Protecting our children is like building a strong shelter to keep them safe from life’s unexpected storms. These plans provide crucial financial support when things go wrong. Imagine your child gets seriously ill, has an accident, or something else happens that suddenly disrupts your family’s finances. These protection plans help by covering unexpected medical bills and other costs. This safety net allows parents to focus on their child’s recovery without worrying about how they’ll pay the bills. It helps families get through tough times with less stress.

Peace of mind for parents

We all want to shield our children from harm, but accidents and illnesses can happen when least expected. Facing not only the emotional strain but also potential financial burdens can feel overwhelming. That’s where specialised child protection solutions offer real value, giving you the peace of mind that your family is supported during life’s challenges.

By partnering with a diverse network of providers, we can guide you through flexible coverage options designed around your child’s unique needs. These solutions provide financial support when it matters most, so you can focus on what truly counts: your child’s recovery.

In what situations can child protection help?

Serious and Critical illness – coverage extends to children from birth up to the age of 23 (depending on provider). This includes protection against specific childhood conditions, along with critical illnesses such as cancer, bacterial meningitis, Crohn’s disease and many more. (Coverage varies by provider.)
Pregnancy complications – both the mother and her unborn baby can be protected from the expenses associated with unexpected pregnancy complications.
Accidents and fractures – protection against everyday injuries, such as broken bones.
Hospitalisation – cover for stays in UK hospitals due to accident or sickness, providing daily financial support.
Everyday illnesses and recovery – some plans extend to common but disruptive illnesses, ensuring financial help even in less severe but still challenging situations.
24/7 medical support services – selected solutions also include access to virtual GP consultations for the whole family, available worldwide, day or night, at no extra cost.

We understand that every family’s needs are different, and every provider has unique child protection options, from everyday bumps and accidents to critical illnesses. Our team can guide you through the various options available, helping you find the best approach to safeguard your child or integrate them into your existing family protection plan. Let’s work together to ensure your child’s safety and well-being.

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Connect with us today!

Schedule your no-obligation appointment today and discover how we can help you navigate your mortgage process, and find the right protection policy for you and your family.

Let’s talk

Your home may be repossessed if you do not keep up repayments on your mortgage.

Accurate and complete information is crucial for processing your protection application and ensuring you receive the appropriate coverage. Misrepresentations may result in claim denials or policy cancellation. The protection plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Wills and Estate Planning services are not regulated by the Financial Conduct Authority (FCA). Any advice or services provided in relation to Wills, Trusts, or Estate Planning do not fall under FCA regulation and therefore may not be subject to the same regulatory protections as financial services.

The information provided on this website is for general informational purposes only and should not be considered as financial advice. While we strive to keep the information accurate and up to date, we make no guarantees regarding the completeness, accuracy, reliability, or suitability of the information contained herein. Any reliance you place on such information is strictly at your own risk. We recommend consulting with a qualified financial adviser or mortgage adviser before making any financial decisions. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Danube Financial Solutions LLP is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Danube Financial Solutions LLP is registered in England and Wales with company number OC454931. Registered address: 6 Peacock Way, Worksop, S81 7SU

© Danube Financial Solutions LLP. All rights reserved.
2025

What is trust?

A Trust is a legal arrangement that allows you to leave money and things you own (your ‘assets’) to a person or people (the ‘beneficiaries’) when you die. A trust can be managed by family, friends or a solicitor (the ‘trustees’). All your assets put together form your ‘estate’. Your life insurance is an asset and can be put into a trust in the same way as anything else.

Why is it important to put your life insurance into trust?

Putting your life insurance in trust is a way of protecting the payout your loved ones could expect to claim if you were to die unexpectedly. A trust can separate your policy from the rest of your assets, protecting any potential pay-out from inheritance tax.

Key Benefits of Putting Life Insurance in Trust:

Control: You determine who receives the pay-out and how it’s managed.
Speed: Faster pay-out to beneficiaries, as probate delays are minimized.
Tax Efficiency: Potentially reduces inheritance tax liability by keeping the policy out of your estate.

By placing your life insurance within a trust, you can ensure your wishes are fulfilled and your loved ones receive the benefits of your policy more quickly and efficiently.

We as expert protection advisers can help you navigate the process of setting up a trust for your life insurance and ensure it meets your unique needs.

Trusts are not regulated by the Financial Conduct Authority.