
Protection
Safeguard your loved ones and assets with our range of protection products, including life assurance, critical illness cover, and income protection.
Protect Your Family, Income, and Assets with Comprehensive Insurance Solutions Tailored to Your Life
WHY US?
Financial Security for Your Family
Protection products, like life assurance, provide financial stability for your family during emotionally challenging times, helping to alleviate financial worries.
Tailored Coverage Options
With a variety of policies such as Level Term Assurance, Decreasing Term Assurance, and Family Income Benefit, there are solutions to fit most circumstances and budgets.
Critical Illness Coverage For You
Insurance for critical illnesses offers a lump sum or income upon diagnosis of specified conditions, helping to manage costs during serious health challenges.
Business Continuity Assurance
Business protection policies safeguard firms by covering key personnel, ensuring stability during unforeseen circumstances, and facilitating shareholder succession.
Income Replacement During Uncertainty
Income protection and ASU policies provide financial support if you're unable to work due to illness, accident, or unemployment, ensuring peace of mind.
Find out more
From life assurance to critical illness cover and income protection, we offer comprehensive policies to provide financial stability when it’s needed most. Explore options designed to protect your loved ones and ensure peace of mind.
Protection products are essential for securing your family, income, and property during challenging times. While considering events like sickness or death can be difficult, having the right financial safeguards in place ensures peace of mind. With a wide range of options available, there’s a suitable policy to fit most circumstances and budgets, helping to maintain your standard of living when it matters most.
Life protection policies ensure financial security for your family during difficult times, alleviating financial worries in the event of an untimely death. Here are the key options:
Level Term Assurance
Provides a tax-free lump sum upon death during the policy term. Fixed premiums and no investment element make it a cost-effective option.Decreasing Term Assurance
Covers decreasing liabilities, like repayment mortgages, with benefits reducing over the policy term. Lower premiums compared to Level Term Assurance.Family Income Benefit
Instead of a lump sum, this policy offers a regular tax-free income for dependants until the policy term ends, ensuring ongoing financial support.Critical Illness Insurance
Pays a lump sum or income upon diagnosis of specified critical illnesses. Available as an add-on to term assurance or a standalone policy, with coverage varying by insurer.These options provide flexible solutions to meet diverse needs, offering peace of mind and financial stability.
Business protection policies safeguard companies against financial disruption caused by the loss of key employees, shareholders, or partners.
Keyperson/Shareholder/Partnership Protection ensures a fixed sum is available if a crucial individual is unable to work or passes away. This benefit helps cover emergency expenses, recruitment costs, and ensures business continuity.
For shareholders or partners, the policy allows remaining members to promptly purchase the deceased’s shares from their estate, maintaining control and stability within the business.
This protection is essential for preserving the future of the organisation during unforeseen circumstances.
Income protection policies ensure financial stability when unforeseen circumstances prevent you from working.
Income Protection
Provides regular income if you’re unable to work due to ill health or an accident, after a specified waiting period. Premiums vary based on coverage, age, and health, and benefits typically last until you return to work or reach retirement age.Accident, Sickness & Unemployment (ASU)
Designed for short-term coverage, ASU policies offer regular income if you’re unable to work due to illness, accident, or unemployment. Benefits are usually limited to a fixed period, such as 12 months. Unemployment cover can be added for an extra premium.
These policies can be tailored to complement each other, providing comprehensive income protection based on individual needs.
Our Team

Oliver Barat
Financial Adviser

Matthew Leadbetter
Financial Adviser

Gar-Lok Lau
Financial Adviser

Luke Kalsi
Financial Adviser

David Buckingham
Financial Adviser
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Ian Prideaux
Financial Adviser

Satwinder Thind
Paraplanner

Alice Howard
Office Manager

Jeanette Davis
Support Consultant