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LIFE - ILLNESS - INCOME PROTECTION

Life is unpredictable. Illness, injury or dying too early can put huge financial pressure on the people who depend on you; and on the future you’re working towards. Protection is not about buying a product - it’s about keeping your income, lifestyle and long-term plans intact when something goes wrong.

Why Protection Matters

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Replace income if you can’t work

Losing your salary, even for a short period, derails savings, mortgages and retirement plans.

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Protect your family if you die early

Mortgages, childcare, education and day-to-day living still need to be paid.

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Protect your business and personal plans

Directors and self-employed owners depend on themselves. No paycheck = no plan.

How we protect clients

Income Protection


Replaces part of your salary if illness or injury keeps you out of work long-term.

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Serious Illness Cover


A lump sum on diagnosis so you can fund treatment, reduce debt or step back from work.

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Life Cover


Clears debts and provides capital so your family does not suffer a financial crisis.

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What makes our approach different?

  • Planning before product: Cover amounts are calculated from your numbers, not guessed.

  • Tax-efficient structuring: Business owners often shouldn’t pay for cover personally.

  • Integrated with your full plan: Protection only works when it fits cashflow, pensions and retirement plans.

  • Whole-of-market approach: We compare all major insurers rather than restricting you to a single provider.

  • Reviewed as life changes: Cover is not “set and forget”; we review it alongside job changes, mortgages, children, business growth and retirement planning.

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