Financial Planning 
Mobile: 07772 195329 
Office: 02476 011704 
 
 
 
 
Protection for Individuals 
 
Income Protection 
This pays out if you are unable to work due to accident or illness. 
It will provide a monthly income until you are able to return to work or reach the chosen expiry age. 
 
Life Assurance 
This pays a lump sum if you die. 
There are different kinds of life insurance, with some providing cover until you die, while others are for a set period such as the duration of a mortgage, or any term you decide to set. 
 
Critical Illness Cover 
Critical illness insurance pays a tax-free lump sum if you are diagnosed with a range of illnesses, including cancer or heart disease. 
Protection for Companies 
 
Business Loan Protection 
A type of life insurance, bought by businesses. It will help pay off business debts if the owner dies. Critical illness cover option also available. 
 
Key Person Protection 
A type of life insurance bought by businesses. Payout provides funds to help find replacement staff, and cover lost profit streams. Critical illness cover option also available. 
 
Shareholder Protection 
A type of life insurance bought by businesses, which ensures there are funds to help purchase shares if an owner/ shareholder dies. Critical illness cover option available. 
 
Relevant Life Plans 
An individual life insurance policy that company directors and owners can buy through their business, if they are classed as an employee.