No one likes to think about dying or suffering from a serious illness; however, the financial impact of these horrible events can be devastating for those close to us.


Talking about our own mortality or frailty isn't easy, but our natural instinct is to make sure that our family is cared for if the worst happens.At our initial meeting we will take time to listen to you and understand your concerns in relation to this very personal financial subject.

From our discussion with you we will get a clear and agreed picture of your family's needs, which will help us to consider the most effective way to meet them.


Protection is not just about having sufficient funds to pay for ongoing commitments, it's about having the peace of mind that your family will be looked after both financially and physically.


Our adviser will review your current situation and assess your family's needs before selecting the most appropriate products and level of cover to ensure all their needs are met.



We will put the agreed cover in place and arrange for regular reviews to ensure that the products and level of cover remain suitable and sufficient in relation to any changes in your family circumstances.


Using one or more products from the whole of the market, we will recommend a cost-effective solution that meets your family's needs in the most cost effective way.

We will make any adjustments required as a result of our follow-up discussions with you before obtaining your final agreement to our proposal.