Protection Planning
While protecting your family and assets may not be something you have considered at your stage of life, protection plans fundamentally enable you to keep safe all that you hold dear. Protection is about more than simply buying a life insurance policy, mortgage protection plan or salary protection plan – it’s about optimising the effectiveness of your wealth for the next generation.
Our Partnering Advisors can help you build strategies to ensure your loved ones benefit from your wealth.
Income Protection
Your earning potential is likely to be your family’s most valuable asset. Income protection plans provide you with an income should you be unable to work for a prolonged period due to illness or injury.
These plans cover you for a specified number of years (usually until retirement) and, in the event of a qualifying claim, the proceeds are paid until you are able to return to work or reach the end of the term, whichever occurs first.
Critical Illness Plans
If you are diagnosed with an illness or suffer a heart attack, you and your family may find yourselves financially worse off. This is because your expenses are likely to be the same, or even higher, but you may be unable to work.
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Critical illness plans provide a lump sum in the event of you being diagnosed with one of a large number of specified illnesses. This can be structured on a term or whole of life basis and can often be the most valuable element of all protection plans.
Business Protection
Somewhat overlooked, business protection helps business owners plan for the unexpected.
By providing cover to ensure the business can continue with minimal disruption following the loss of one of their key employees or business owners through death, critical illness or temporary disablement.
Different types of business insurances include key person insurance, shareholder agreements and SME protection.
Get to Know Us
At Advisor Link, we are proud to work with industry-leading professionals who share our commitment to delivering high-quality, client-focused services. Protection planning is about securing the future for yourself and your loved-ones, and we are here to help you achieve that with the utmost care and professionalism.
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