Life Insurance and Protection

At ad+ financial, we specialise in dealing with clients who are looking to protect themselves, their homes, their children, and their businesses.

Life Insurance and Protection

At ad+ financial, we specialise in dealing with clients who are looking to protect themselves, their homes, their children, and their businesses.

Each area has its own importance to you and for peace of mind we can help you protect the security of your loved ones and your home against virtually any eventuality.

With our extensive experience, we have unfortunately seen far too often that Illness, job loss, or death can often lead families into financial hardship. Taking a little time to assess your situation and work out a plan to protect you and your family is time well spent whilst you are in a position to do so.

It can be difficult for people to address just how much cover they may need. However, we all have to face the reality that we are mortal and the potential ramifications this has for not only ourselves but also those close to us in life. Would only enough cover to protect the mortgage be sufficient? What happens about all the other monthly outgoings and would your protection run out before children leave school by way of example?

Personal protection takes many forms and there are various types of insurance, some more complex than others. We can work with you to review a range of options to protect you throughout your life stages with everything from having an adequate contingency fund in place should the unforeseen occur through to paying off your mortgage in the event of death.

Solutions may include:

  • Repay your mortgage in the event that you can no longer work due to ill health or injury as well as covering other ongoing outlays which can’t be covered immediately.
  • How you can protect your family’s standard of living after the death of an income earner or someone, who although may not necessarily bring in funds to the household, however their loss may result in financial hardship due to the pivotal role they play and incalculable contribution they make within the household.
  • Plan for your family to help meet any potential Inheritance Tax (IHT) payment from your estate.

Not all Inheritance Tax Planning solutions are regulated by the Financial Conduct Authority