Income Protection Advice

Whilst sick benefits can be potentially paid for up to 12 months as a teacher, what happens when your income moves to half pay or stops completely?

Complete the short form today to see how we can help you save time, save money and protect your income should the worst happen. 

What if your partner doesn’t have the same sickness provision and can’t work?

Often being seriously ill can have a much bigger negative impact on a family’s finances than dying.

Income Protection is designed to pay out a replacement income after your employer’s sick pay finishes, typically up to retirement.

We search the whole market to find great cover based on your needs, budget and the quality of the cover – after all, – there is little point paying for insurance if it isn’t going to pay out when you need it.

We do all the paperwork and chase your application through for you until your plan or plans are active and your cover is in place.

Nobody likes to think about bad things happening to them or their families and every one of us has other more fun things they would sooner spend the money on, but protection is a key foundation of financial planning.


Frequently Asked Questions

An Independent Financial Adviser (IFA) is a professional who offers impartial advice on financial matters that are tailored to meet your needs and objectives.

We conduct a detailed review of your current financial position and your future objectives. The advice provided by an IFA will take account all of your personal circumstances and will make clear recommendations on how best to achieve your objectives. 

We do not charge brokers fees for residential mortgage advice and £295 per mortgage for buy to let mortgages. For full pension and investment planning it will vary considerably depending on the scope of the work and the amount of money being invested.

We offer a free initial meeting which will highlight the areas you need to address now and in the future as well as any likely costs. We will fully discuss and disclose in writing any fees for advice, implementation and review before they are incurred.

For pension, investment or tax planning advice and recommendation reports the minimum cost you should expect is £295.

For potential clients that want to invest up to £20,000 as a lump sum or £500 monthly without any advice fees we have introduced our Managed Direct service on a non-advised basis.

If you are looking at this site it’s likely that you know you need help it’s probable that you could benefit from taking financial advice, whether that be as a one off for a specific area or ongoing support for more complex matters.

During your initial discussion, we should be able to establish the nature of the advice you require. If we don’t feel taking advice would be appropriate – we’ll tell you – there is no point in us charging a client fees that will outweigh any benefit taking the advice would deliver.

Contact us today to arrange a free initial discussion without any obligation.

We will then be able to determine whether you need some general guidance, more specific professional advice as one off or if you would benefit from regular ongoing reviews.