“Hope for the best but be prepared for the worst"
Family protection is the very foundation of financial planning, and for most people it is, or should be, their first priority.
•Life insurance – to protect your family or dependants on your death.
•Mortgage protection – to pay off your mortgage on your death or getting a critical illness.
•Critical illness protection – to pay you a lump sum on diagnosis of a critical illness.
•Income protection – to pay you an income if you are unable to work due to illness or accident.
There is a clear need for the breadwinners of a family to be covered against various ‘catastrophic’ circumstances that could reduce or eliminate the family’s ability to continue in the lifestyle it is accustomed to.
Finding the right debt and mortgage protection, life assurance, income protection, or critical illness cover is not easy and even harder is ensuring that the benefits end up with the people they were designed to protect and not HMRC.
As independent financial advisers, we are able to guide you through the entire protection market, making sure you receive the best value plans available to meet your requirements. We will also discuss the use of trusts to ensure that the people you care about most benefit from the proceeds.
We have used Sterling & Law in rebroking and streamlining our flex plan for a number of years and have found them to be proactive and professional. We also see them as our helpline for benefits and insurance issues – day or night! We would commend them as an outfit that will add value to a benefits programme as well as help cut costs.”
K Potter, human resources director, ABN Amro, London, UK
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