The risk protection needs are dependent on the client’s circumstances, long-term goals and priorities. 

We provide independent advice with whole of market solutions, including: Life Assurance, Income Protection, Critical Insurance Cover; and for directors and companies – Group Life (Relevant Life for small companies)/Income Protection, PMI, Keyman and Shareholder Protection, etc.

Trends change – such as currently where there is more demand for Gift Inter Vivos life assurance for estate planning/IHT and there is also more demand for term life assurance where people extend their careers nevertheless gaining lifestyle and health benefits through more use of flexi/part-time work hours.