Personal Protection
I am independent, Chartered and a Fellow with more than 25 years of experience in Reigate. I help clients set the right cover for life, illness and income so the rest of the plan stays intact if life changes.
What is personal protection
Personal protection covers the “what ifs” that could derail your plans. If you die, become critically ill or cannot work for a time, the right policy keeps your family, home and lifestyle secure.
It is not about buying the biggest number. It is about setting the right type and level of cover, set up in the right way, so it actually does the job when you need it. Policies can also be written in trust so the money goes to the right people, quickly and tax‑efficiently.
What this covers
Every family is different. These are the areas I usually bring together.
- Life insurance — a lump sum or family income if you die
- Critical illness cover — a lump sum if you are diagnosed with a specified serious condition
- Income protection — a monthly income if illness or injury stops you working
- Family income benefit — regular payments instead of a single lump sum
- Mortgage protection — cover matched to your mortgage that reduces with the balance
- Relevant trusts — so payouts reach the right people quickly
- Review of existing policies — values, exclusions and gaps
- Integration with employer benefits — so you do not overpay
Who it suits & why it matters
People who want to protect family and keep plans on track.
Single earners or those with a high reliance on one income.
Couples with children, a mortgage or both.
Business owners and directors who need tailored cover.
Even strong plans fail if income stops or illness strikes. Good protection keeps the roof over your head, the bills paid and long‑term goals intact while life gets sorted.
How I help
I audit what you already have, calculate what you really need and recommend cost‑effective cover. I set policies up correctly, often in trust, and review them so they stay fit for purpose.
Case study
A young family relied on one main income. We set income protection for the earner, life cover in trust to clear the mortgage and family income benefit for ongoing costs. The result was a robust safety net at a sensible monthly cost.
Setting cover in plain English
We start with your real numbers – mortgage, childcare, bills and future plans. We then decide which risks to insure and for how long. Life cover for the mortgage and a financial cushion. Income protection for day‑to‑day costs if you cannot work. Critical illness cover for the shock expenses that come with serious diagnoses.
Policies are set with clear definitions and waiting periods that match your savings buffer and employer benefits. Where suitable, we use trusts so the money reaches your family quickly without probate.
What you receive
A clear written recommendation showing exactly what to insure and why. Premiums that fit your budget. Policies set up correctly, with trusts where suitable. A simple annual review so cover stays aligned with your life.
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