

Protecting a family or business from financial hardship in the event of death or illness is the very cornerstone of the financial services industry. The products available are extensive and varied, and it is important to select the most appropriate product, determine the minimum levels of cover and identify the companies that provide the cover you require most competitively.
Some of the fields under consideration might include:
• Life assurance
• Mortgage protection
• Critical illness cover
• Private medical cover
• Unemployment cover
• Accident and sickness cover
• Whole of life cover
• Permanent health insurance (also known as Income Protection)
• Building and contents insurance
• Business protection
• Directors share protection
• Key man insurance
• Loan protection
• Group permanent health insurance
• Group critical illness
• Group medical cover
I will work with you to undertake a full financial review of your protection needs and requirements, taking into account your circumstances and objectives (including inheritance and other tax implications). I will then produce a detailed analysis, utilising IT systems that are updated daily with the latest products and rates.
The Financial Services Authoritydoes not regulate Taxation Advice
As at August/08
Avg. £174,178
Annual Change -10.9%
Src: Halifax Group
As at Oct/08
Rate 4.50%
Src: Bank of Eng.
As at July/08
Index 4.50%
Src: HM Treasury