Yes. We help business owners put plans in place to protect against the financial impact of losing a key person or partner. This ensures business continuity and financial stability during challenging times.

Yes. Life assurance can be structured to provide funds for inheritance tax liabilities, often through a trust, so more of your estate passes to your loved ones. This can form part of a wider estate planning strategy.

Critical illness cover pays out a lump sum if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke. This can help with medical costs, household bills, or adapting your lifestyle while you recover.

It depends on your circumstances — such as your mortgage, debts, family needs, and future plans. We’ll work with you to calculate the right level of cover so your family has the financial security they need.

We advise on a full range of protection options, including:

• Life assurance – Lump sum or regular payments for your loved ones.
• Critical illness cover – A payout if you’re diagnosed with a serious illness.
• Income protection – Replaces part of your income if you can’t work due to illness or injury.
• Business protection – Safeguards businesses if a key person dies or becomes critically ill.

Life assurance (or life insurance) provides financial support for your loved ones if you pass away. It can cover living expenses, pay off debts like a mortgage, or provide a lump sum for your family’s future. It’s about peace of mind — knowing your family will be financially protected if the worst happens.