Life does not always go to plan. An unexpected illness, accident or job loss can happen at
any time, and when it does, the last thing you want to worry about is how the bills will be
paid. That is where financial protection comes in.
Financial protection gives you and your loved ones a safety net, helping you stay financially
secure no matter what life brings. It is about more than money. It is about peace of mind,
stability and knowing that the people you care about will be looked after even if the
unexpected happens.
What Is Financial Protection?
Financial protection ensures that if your circumstances change, whether through illness,
injury or loss of income, your home, lifestyle and future plans remain safe.
With the right cover in place, you can:
- Keep your mortgage or rent paid
- Maintain your family’s lifestyle
- Focus on recovery instead of bills
- Make sure your loved ones are cared for if the worst happens
The Main Types of Protection to Consider
There is no one-size-fits-all solution when it comes to protection. Your adviser will help you
find a plan that suits your needs and budget, but here are the main options to think about.
Life Insurance
Provides financial security for your loved ones if you are no longer here. It can pay a lump
sum or a regular income to help cover living expenses, debts or long-term plans such as
education.
Critical Illness Cover
Pays a lump sum if you are diagnosed with a serious illness. It can help with treatment costs,
home adjustments or lost income.
Income Protection
Gives you a regular monthly income if you are unable to work due to illness or injury, helping
you keep up with everyday expenses and mortgage payments.
Family Income Benefit
Instead of a one-off payment, this cover pays a regular income to your dependants if you
pass away, helping them manage financially during difficult times.
Private Medical Insurance
Allows you to access private healthcare quickly, with shorter waiting times and a wider range
of treatment options.
Why Speak to a Protection Adviser?
It is easy to feel overwhelmed by all the different types of insurance available, which is why
getting advice matters.
Our qualified protection adviser can:
- Assess your individual needs and identify any financial gaps
- Recommend the most suitable and cost-effective options
- Handle all the paperwork and make sure you understand the details
Our adviser has access to a wide range of insurers, giving you choice, competitive pricing
and trusted guidance all in one place.
Ready to Take Control?
Protecting your home, income and loved ones does not have to be complicated. Whether
you are just starting to think about protection or ready to put cover in place today, we are
here to help you build a plan that gives you confidence and clarity.
Download our free guide, “Your Guide to Financial Protection”, to learn how to:
- Choose the right type of cover
- Understand what each policy really does
- Create a financial safety net that fits your life
Simply fill in your details below and we will email your guide straight to your inbox.
Important Information
The information provided here is for guidance only and does not constitute advice. You
should speak to us for personalised advice before making any financial decisions.