Protection

Looking after you and your family

While a good financial plan can act as a roadmap, nobody can predict the future – changes to our health, sickness or accident, or even bereavement, can have the potential to derail the best financial plan.

Building up emergency savings is a key part of planning, but can quickly be depleted should you find yourself unable to work or struggle with the loss of a partner’s income.

Many people don’t believe they need insurance – but income protection, life insurance or family income benefit, can offer a valuable safety net.

Some helpful things to ask yourself when considering protection include:

If you were unable to work due to illness, could you continue to meet your lifestyle costs such as your mortgage or utility bills?

How long could you meet these costs before any emergency savings run out?

Does your current workplace provide you with sick pay?

If something happened to you, or your partner, would your family be able to keep up with ongoing mortgage or lifestyle costs without your income?

We can help you:

Understand your protection gaps and identify what plans may be suitable for your circumstances;

Undertake whole of market research across all UK insurers and friendly societies, to find the most appropriate and cost-effective plans for you;

Review any existing financial protection you may have, to make sure this is suitable for your circumstances and financial goals;

Assist with everything from applying for cover, medical underwriting and writing your plans into trust;

Reviewing your plans as your circumstances change to make sure your cover remains right for you and your family.

We’ll consider your protection needs as part of your wider financial planning goals – for more information, why not consider an initial consultation with one our expert advisers?

Business protection

Security for you and your business

The success of your business most likely forms a significant part of your long-term financial plans, from paying your bills and pension funding, to passing on a legacy.

Could your business continue without you or another key individual?

As a director, could you continue to generate income if you were unable to work due to sickness or accident?

Are you a sole director or small business owner, and looking for tax-efficient protection options for yourself?

What could happen to your business if you or another director passed away?

Navigating suitable business protection options can feel like a challenge.

At Path, we can help you:

Understand what protection concerns may be important for your business; from executive income protection and relevant life insurance, to key person insurance and shareholder protection;

Undertake whole of market research across all UK insurers, to find the most appropriate and cost-effective plans for your company;

Implement a suite of cover options that can prevent financial disruption, should anything happen to you or your key employees;

Implement tax-efficient cover that can be owned and paid for by your company, to protect both you and your family.

Our protection specialists

Our dedicated team of protection specialists who have a deep understanding of the insurance products. They aren’t tied to any single provider – instead they carry out in-depth due diligence on all insurance providers and products, and maintain an in-house list of approved plans. This means that your financial planner can select the most suitable plans and features to meet the unique needs of your family.

An initial consultation with Path is completely free. We’re keen to explain what we do and how we can best meet your needs – why not book your free consultation today?

Book a free consultation

* Research by Shepherds Friendly

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RISK WARNING
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.