We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Protection
As Independent Financial Advisers we have access to the entire market and can advise you on the appropriate type of life assurance for the least amount of cost to you. We can advise you on all forms of life assurance from the most simple of schemes all the way through to whole of life cover.
Long Term Care
This insurance can provide an independent method for a person to fund the cost of care. In return for a premium, an insurance policy is purchased and benefits are paid when the policyholder becomes unable to look after themselves.
Mortgage Protection
These policies provide cover that matches the outstanding balance of your mortgage loan. If you die during the term of the policy, a lump sum is payable which can be used to pay off the remaining balance of your mortgage.
Term Assurance
This is a type of life insurance which provides a known level of cover for a fixed rate of premiums over a fixed period of time. Should you die during the policy term, the sum is paid out. Term Assurance can be Level, where a known level of cover is paid out on death; Decreasing, which is mortgage-linked where the level of cover decreases in line with the outstanding mortgage balance; and Convertible, which allows the plan to be adapted to changing circumstances.
Income Protection Plan
Also sometimes known as Permanent Health Insurance (PHI). Under this type of policy an income benefit would be paid out if you were unable to work due to disability caused by accident or illness. The benefit will start at the end of an initial period and is payable until return to work, the expiry of the policy or death.
Family Income Benefit
This policy provides an income for the rest of the term of the contract, should you die whilst it is in force. Premiums are paid at a level basis throughout the term and if you stop paying premiums the cover will cease.
Critical Illness
This plan is designed to pay out a lump sum should you be unfortunate to suffer from any of the critical illnesses specified by the provider but survive for a period of time after diagnosis.