We appreciate that each client has different needs and priorities throughout their lives. The protection advice we provide recognises this and as Independent Financial Advisers (IFAs) we provide recommendations from the whole marketplace.

Individual Protection

Income Protection is the foundation of protection cover and replaces a proportion of income should someone be unable to work due to incapacity caused by illness or injury. This can help towards paying the mortgage, household bills or simply helping to maintain lifestyle. According to a Nationwide Building Survey in 2008, 3 out of 5 people could not survive financially if they were unable to work due to illness or injury.

We recommend various types of
Term Assurance, ranging from level term which pays out a lump sum should the individual die during the specified term to Family Income Benefit paying a regular monthly sum on death. Cover can also be tailored to tie in with mortgage arrangements, typically on a decreasing cover basis.

Business Protection

Business Protection cover ranges from Key Person where someone vital to a business has a specific cover amount in place for a specific time period. Shareholder or Partnership Protection focuses on ensuring directors or partners retain control of the company. This could mean having the necessary funds in place, should a director or partner die, to buy out the deceased spouses’ interest.

Associated Legal & Financial Limited is authorised and regulated by the Financial Conduct Authority. For UK residents only over the age of 18.
Associated Legal & Financial Limited, Registered in Scotland No:SC287798. Registered Office: Ros-N-Ree, Old Edinburgh Road South, Inverness, IV2 6AR
© 2010 Paul Coghill | Contact Developer
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