Category: Protection

When you are off work due to an illness or injury, worrying about how you will pay your bills can make an already stressful situation worse. So much so that many people are finding themselves in the challenging position of having to put the need to earn money over their health by continuing to go

Life insurance cover is a benefit large companies often offer their staff as a perk. The problem is that for small businesses, the cost of taking out a group insurance scheme may be too expensive. Relevant life insurance is a potential solution that works out much cheaper than taking out cover personally. What is relevant

The coronavirus (COVID-19) pandemic has caused many households to reassess their financial defences with the purchase of protection insurance. The diagnosis of a serious illness can mean a tough time for your health and your wealth. If you were to become critically ill and could not earn a living, would your family cope financially? Our

Imagine a scenario where your business partner and fellow director has died. Your business partner’s wealth, including their share of the business, passes down to their family. This poses significant potential risks to your company. They could become involved in business decisions they know nothing about. They could also sell the shares without your consent

Did you know that people are twice as likely to take out insurance for a pet than they are themselves? This is a choice which could have server financial consequences. In a survey by Cirencester Direct, over a third of respondents said they have, or would take out, pet insurance. However, just 17% would take steps

Every business owner is likely to have considered insurance for accidents, company vehicles and their premises. However, many do not feel business protection is relevant to them. Small business owners are often too busy to focus on the wider ‘what if’ risks their business could face. Protecting business profits Can a business die of a

There is a growing unease about the economic fallout of COVID-19. Many businesses are laying off contractors and putting staff on extended leave. There is also the natural worry about contracting the disease. What this crisis has shown is being unable to work can turn our world upside down. No one likes to think something

If something were to happen to you, the last thing you want is to be worrying about money. Financial planning is not just about getting what we want from life. It is also about protecting our loved ones. We do not like to think about illness and death but ignoring them can have severe consequences.