Life insurance
Protecting your loved ones from financial pressures, so their living costs are covered if you pass away.
Personal protection insurance
Protecting your plan to secure your lifestyle and goals
You’ve talked about what really matters. Now, let’s protect it against the unexpected.
Considering income protection or life insurance can be confusing if you don’t ask the right questions. Thankfully, our lifetime financial planning approach can help you with that.
Sometimes, the most difficult conversations are the most important. Being clear about what really matters to you is the first step to protecting your lifestyle and lifetime financial goals. So, when we consider “what if” scenarios in your lifetime financial plan, we include: what would happen if you’re not there?
For instance, it’s clearly essential to make sure mortgages and any other debts are paid. But what else is important – continuing to cover your school or university fees, for example?
Of course, no amount of money can make up for losing a loved one, or being diagnosed with a serious health issue. But good choices now can at least take away the sudden pressure of extra lifestyle changes at such a painful time.
Your financial plan gives you a clear view of the goals you most want to protect. And our planners can use their experience to ask the right questions, then scout the whole insurance market to bring you the best options for your budget and needs.
The power of simple questions and clear advice
“Francis Clark are extremely keen to make sure their customers are both protected and can take advantage of the markets, even in volatile times. Everything is explained carefully in language that even we can understand”
Keith and Linda Caddy
An experienced guide can give you confidence
Personal protection insurance should give you peace of mind. The problem is, you never really know you have the right cover until you need it.
Without experience, it’s easy to miss important questions. For instance, does your income protection insurance cover you for not being able to continue the career you’ve spent a lifetime building, or not being able to do any job at all?
Likewise, looking after children and managing your household may not directly bring you income – but it’s hard work, and a fundamental part of your way of life. How should your cover account for that?
That’s where an experienced financial planner can really help. We get to know your lifestyle and priorities and ask thoughtful questions. As a result, you don’t just get the right cover for your needs – you get peace of mind too.
The best of the personal protection insurance market
After we’ve talked about your priorities, budget, and needs, your financial planner will search the whole insurance market, and suggest a tailored approach for you. We’re truly independent, so we can consider any combination of policies and services.
Income protection insurance
Providing a tax-free income to maintain your standard of living if you have to give up work because of illness or injury.
Critical illness cover
Giving you income or a lump sum so you have more options if you’re coming to terms with a lifechanging illness or accident.
Whole life cover
If providing for your family after your death is a priority, a whole life policy provides a guaranteed lump sum.
Inheritance tax
It’s also important to include your insurance policies in planning for your estate, so your loved ones get the full benefit of your cover. If you’d like to know more, read about our inheritance tax planning service.
Business protection insurance
As well as providing loved ones, we can cover businesses and shareholders if a key person is unable to work
Let’s protect what matters to you
We’ll arrange a short, down-to-earth chat about your priorities, and our experts will suggest some realistic options.