From insurance for new parents through to mortgage and business protection. We’ve got you covered.
Life Insurance & Critical Illness Cover.
From finding out you have a little one on the way, all the way through to large scale and multiple mortgage cover, we can tailor a product to your individual needs.
For some people, life insurance isn’t the best product to meet their needs and we’ll let you know if we think that too.
We cover all aspects of health and lifestyle insurance for people from all walks of life.
We offer all of our advice free of charge to all of our clients and build lasting relationships that stand the test of time.
50+ Planning.
We offer a planning service for anyone concerned about the costs they may leave their family in the event of their passing away, regardless of age.
We will discuss your needs and find the best 50+ plan and/or funeral plan to suit your and your family’s needs.
Trust Writing.
We offer a FREE trust writing service to all of our clients. This ensures that the insurance you take out, lands only in the hands of the people you are trying to protect. You can decide who will receive the payout and ensure they, alone, benefit from it.
Trusts can also prove tax efficient when dealing with your estate in the event of your passing away.
For a conversation regarding the tax implications specific to your finances, it’s also a good idea to get in touch with your own IFA or tax adviser.
Business Protection.
We offer a range of relevant life and key man policies for business. Relevant life is available as an employee benefit which would be used to pay out to the employees next of kin.
Key man insurance is put in place to support the business in the event of a key person within the company passing away.
We’ll happily talk you through the benefits of each type of cover with no obligation whatsoever.
It is important that you should not cancel any existing plan until the new plan is in force unless you have planned to do so. This will ensure that there is no lapse in cover. However, if you choose to take a policy out with Protect Family Plans Ltd, it is your responsibility to cancel any existing plan, in the case of this policy being a replacement, as we are unable to do so on your behalf.
Term assurance policies do not usually acquire a maturity value, or surrender value. At the end of the policy term, or if the premiums cease before that date, the policy will simply expire.
Should you cancel the plan or not maintain the premiums, the policy will lapse and the life cover will no longer be in place.
You should ensure that all information that is, or may be, relevant to the application is disclosed to the provider on the application form which we carry out on our calls. Failure to disclose information, or accurate information could result in the provider not accepting a claim or a policy being cancelled.
Should there be any changes to either your relevant circumstances, lifestyle or health before any policy starts you should declare these to the provider as soon as possible. Failure to do so could result in the provider not accepting a claim and your policy being cancelled.
Few key considerations before taking out a policy or replacing an existing life insurance policy.
