Protecting you & your Dependents
One of the key points to Holistic Financial Planning is recognising and covering off financial risk.
Loss of earnings and / or death are key risks to inter-generational wealth preservation, so identifying the appropriate Protection Policies and implementing these is key.
We believe that individuals, families and businesses should always have the appropriate amount of Protection Cover in place in the event of an unforeseen event occurring.
We work with our clients in firstly ascertaining the total need for Protection Cover that they & their family may have. We then calculate the existing Protection cover in place and make recommendations thereafter.
For Individuals
The level of cover an Individual (or a family) needs is completely bespoke to them & their unique circumstances..
The type and amount of Life Insurance or Income Protection Cover one takes out will depend on their age profile, who is financially dependent on them (i.e. young children), their current level of Income / Outgoings, the level of Debt and importantly the future level of earnings that may lie ahead of them.
For Businesses
One of the implicit responsibilities for larger Employers will be to put Group Death In Service and Group Income Protection in place for their Employees
Group Cover is more cost-effective per person than Individual Cover with a far lesser requirement for Underwriting. We work with our Corporate Clients in recommending the appropriate Group Risk policies in place and establishing same. .
