Protection is the key to planning in advance to enable you to protect yourself and your family against life's uncertainties.There are different types of life insurance and a range of financial protection solutions to suit everyone, and lots of information to help you make the right choice.

You’ve worked very hard to build up your business to where it is today; protect it against illness or death affecting yourself, a co-director or an important employee.

Ask yourself the following:
  • If your business partner died what would happen to their share of the business?
  • How would your company cope if a shareholder died or became seriously ill?
  • How would you feel about a family member of the deceased shareholder joining the business?
  • How would your business survive if a key member of staff died suddenly or became seriously ill?

Partnership Insurance

  • The death of one of the partners can have serious financial consequences for those partners left behind.
  • The aim of this cover is to put money in the hands of the remaining partners to buy back the deceased partner’s shares from his/her family. This will allow the surviving partners to continue running the business.

Keyperson Insurance

  • A keyperson is an employee/director whose expertise, knowledge and contacts are vital to the continued financial success of the company.
  • Keyperson insurance assists the survival of the company on the death of a key employee by compensating the company for any anticipated losses.

Co-Directors Insurance

  • A successful business depends on the close co-operation and experience of the directors.
  • The death of one of the directors can have serious impacts on both the surviving directors and the family of the deceased. Normally the surviving directors would wish to buy back the shares from the family of the deceased but may not have the money available.
  • Co-Directors insurance gives the directors of a company the peace of mind that there will be money available to them on the death of a director to buy back his/her shareholding from his/her family, thereby maintaining their control of the company.

The aim of business insurance will differ depending on the structure of your business. We can assist you in tailoring a business protection solution package relevant to your situation.

It can ensure your lifestyle doesn’t have to change if illness strikes and it can be used to pay your bills and living expenses until you are able to return to work, or if not, until your retirement age. It is meant to replace some of your earned income if you can no longer earn an income yourself. You can take out income protection if you are in full time work or are self employed and earn an income

Adequate life assurance is the cornerstone of sensible financial planning. It is essential that you effect enough life cover to ensure that your dependents will be able to meet their financial commitments and maintain a comfortable standard of living in the event of your untimely death.

More often than not, ones focus is solely on providing cover for a premature death, however, if you become seriously ill it can be far more devastating financially. At a minimum you must ensure that your debts would be paid. This can be achieved by taking out serious illness and/or income protection cover.

Most people’s first encounter with life assurance is when they get their first home loan. The lender will always insist on mortgage protection cover for the amount of the loan to cover a period equivalent to the term of the loan. In the event of the death of the life/lives assured, the debt is cleared and the deeds of the house given back to the next of kin.

If you suffer a serious illness, a cash lump sum won’t make you better but it should help to reduce the impact of the illness on your life. It can help to ease any financial pressures and give you time to recover.

It is important to realise that not all illnesses are covered as for example ailments such as diabetes and tumours detected at an early stage and easily treated are normally not covered.

We can supply you with a full list of specific illnesses covered by all the insurance companies.

Income Protection

For most of us, our income is our most important asset. It affects how we live and how we pay for everything from food, light and heating to our mortgage repayments, children’s education and family holidays. Income protection provides you with a replacement income if you are unable to work due to an accident, injury or illness.


Life Assurance

Life insurance policies pay a lump sum to your spouse or named person if you die during the term of the policy. Life Assurance is the simplest and one of the cheapest forms of life insurance.


Mortgage Protection

Mortgage protection is an insurance policy that pays off your mortgage if you or another policy holder dies during the term of the mortgage. The policy would normally match the mortgage amount over the term of the mortgage.


Serious Illness

This type of cover pays you a lump sum amount if you suffer from one of the specified illnesses covered on your plan.This policy will pay you a lump sum on diagnosis of some of today’s most common illnesses.


Business Protection

When running a business, it is vital to consider and plan for events that could adversely affect its success. In particular, it is important to consider the implications to a business of the sudden death or serious illness of a Director or vital employee.


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