Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited than to ignoring crucial decisions on protection.

Deep down we all know we’re not immortal, but sometimes how we behave doesn’t reflect what we know. Most of us like to think we’ll be around for some time. Perhaps it’s this optimism, aided by blissful ignorance of what’s around the corner that helps us to close our minds to some real but unpleasant possibilities.

Subjects such as long-term illness, the risk of contracting a critical illness, or even untimely death, aren’t ones we like to think about too often.

As professional advisors we don’t want you to worry about what might happen, in fact quite the opposite. It’s part of our job to help reduce our client’s worries by providing advice and arranging protection to ensure that, should the worst happen, the emotional impact of the situation isn’t made worse by the absence of proper financial provision.

Undertaking some sensible planning now can help ensure that ‘it could never happen to me’ isn’t replaced by, ‘if only’. For those with dependants, we believe that life insurance is a must, especially if you have a mortgage. As such you may already have some protection policies in place, But when was the last time you reviewed them?

Your personal circumstances, aims and financial objectives will change over time. That’s why we believe that taking time to review your protection arrangements is simply a matter of common sense. It could be that your existing cover is adequate, but if you haven’t reviewed it recently, how can you be sure?

We provide an unbeatable service because we take the time to listen to you and understand your protection needs before advising on a course of action. Our recommendations will be based on your financial objectives and will take in consideration your monthly budget. If we spot gaps in your cover we will discuss with you the best ways to reallocate your budget to make sure you are fully protected.

As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. As advisors we can help you find the one that best meets your requirements.