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Do you have family that are dependent on your income? Are you able to support your lifestyle if you become unable to work? Will your partner be able to cover bills if you pass away? Will you still need to work if you become critically ill?  Whether you are a full time parent or a high-powered executive, we all need protection. It is the most selfless gift you can give your loved ones.

Deep Blue’s financial protection advisers work with you to assess your options and opportunities. 

Financial advisers for risks you might not even be aware of

Earning your money is one thing. Holding onto it and protecting your finances is an entirely different game. 

Our lives are all full of uncertainty. Financial protection advisers can help you put the right assurances into place to protect your finances or portfolio. 

Deep Blue’s financial protection advisers will work closely with you to understand what you are looking to achieve or risks you wish to mitigate. We can provide advice that gives you peace of mind, allows you to make the most out of your money and secures your family’s future. 

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financial advice for terms assurance

Term Assurance

There are two types of term assurance available. Level Term Assurance cover provides a lump sum on either death or diagnosis of terminal illness, with the level of cover remaining the same throughout the full policy term. The policy will pay out if you die during the term of the policy and may also pay out if you are diagnosed with a terminal illness.

Decreasing Term Assurance cover reduces during the term of the policy however the monthly premiums will not reduce. If you die within the term of the policy, it will pay out a lump sum to help clear the balance of any debt and could be used by your loved ones to help pay off an outstanding mortgage.

Our financial advisers can help you to ensure you pick the right term assurance for you and your requirements.

Critical illness cover

Critical Illness Cover is an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum that you can use however you like – whether it’s to help pay for health-related costs, monthly expenses, or loss of income while you recover.

Deep Blue’s financial protection advisers are available for an initial consultation to see if critical illness cover is something you are interested in and whether you and your family would benefit from this.

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wealth and income protection advice

Income protection

Income protection is a form of insurance that pays out should you suffer ill health, as these plans are designed to provide a replacement income until you are either fit to return to work or retirement age, whichever comes first.

Any loss of earnings could have a huge financial impact on any family’s lifestyle. Income protection is an insurance policy designed to meet the needs of individuals who want to protect against this, by paying out a regular monthly amount. If your employer doesn’t pay sick pay, or you are self-employed, or feel you would benefit from Income Protection, we are also able to provide a financial protection adviser. Simply get in touch. 

Whole of life

Whole of Life plans are designed to pay out the sum assured on your death whenever it may occur and not during a set term. This type of plan is usually more expensive than plans which only provide cover for a limited term, such as term assurance. A key benefit of a whole of life plan is that it is considered to be a permanent life insurance policy. It is designed to provide you with a lifetime of protection that will pay out your specified lump sum on death to your estate. Whole of Life is a plan that can be taken out to cover any IHT bills that may have to be covered on your death, which will take the burden from your family. Contact us to talk to one of our advisers about Whole of Life.

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independent financial advice UK

Family protection

Family protection insurance is a type of insurance which is designed to protect your family from any financial impact should you pass away. This plan provides families with the safety net to remove additional financial stress in the event of a death, by paying out a lump sum or specified income on the death of the policy holder. This is ideal for anyone with a young family and can give you the financial security that if anything happens to you or your loved one, there will be funds available to look after your children. Contact one of our advisers to discuss in more detail.

It’s never too late (or too early) to speak with a financial protection adviser

You do not need to know exactly which service or area you need support with. Deep Blue Financial protection advisers can assess your personal financial circumstance and make expert recommendations, tailored to you. 

Protection FAQs

Income protection is an insurance plan that pays a regular replacement income if someone is unable to work due to illness or injury. It does not cover redundancy. A specific plan covering redundancy would be necessary if this is a priority to the individual.

An income protection plan normally covers up to 65% of your gross income and the benefit is paid free of income tax and national insurance.