Personal Protection Planning

Provide a safety net for your loved ones.

Whether you’re looking for Life insurance, Critical illness cover or Income protection, we will find a policy to suit your needs.

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This information is a guide only and should not be relied on as a recommendation or advice that any particular Protection product is suitable for you.

Life Insurance

Protect your loved ones from financial hardship in the event of you passing away. Secure their future and your own peace of mind.

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Child Protection

Unexpected events can happen at any time, leaving our little ones vulnerable. Keep your children safe by including them in your family’s protection plan.

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Critical illness cover

Receive a lump-sum payment upon diagnosis of a covered critical illness, helping you cover medical expenses, lost income, and more.

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Mortgage life cover

Protect your biggest investment. Mortgage protection ensures your family can keep their home if the unexpected happens.

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Income protection

Income Protection Insurance replaces a portion of your income if you are unbale to work due to illness or injury, helping you cover essential bills and maintain your lifestyle during difficult times.

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Accident & Everyday protect

Life’s a rollercoaster. Enjoy the ride. Protect yourself with affordable plans and enjoy peace of mind knowing you are covered when the unexpected happens.

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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.