What is protection?

Think of protection as a safety net for you and your family. Whether it be life, critical illness or income protection, these plans pay either a lump sum benefit or a regular payment to protect your own and your family’s financial security. We can provide protection advice for both private clients as well as clients who are looking for protection for their business and key individuals.

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Types of cover offered

Our clients use protection policies for a range of reasons on a single or joint cover basis:

  • Level term protection – To provide a lump sum to leave your beneficiaries in the event of your passing.
  • Family Income benefit – provides a regular income stream for an agreed period in the event of premature death
  • Decreasing term protection – To provide the required funds to pay off your mortgage in the event of your death.
  • Critical Illness– To provide either a lump sum payment or a regular income stream if you are diagnosed with one of a wide range of serious illnesses
  • Income protection – replaces a portion of lost income in the event of long term incapacity and inability to work
  • Whole of Life plans – provide funds for funeral expenses or Inheritance Tax bills
  • (Shareholder protection – To cover buyouts in the event of one shareholder passing away.
  • Key person protection – To provide your company with the funds required to replace any key members should they become unable to continue working.)

What can Vale offer?

We can provide you with a free consultation to analyse shortfalls you have in your current protection cover and help you analyse the most appropriate cover for your needs alongside the most suitable term for your cover.

We can also advise the most suitable trusts to use for your protection plans.

Grow your wealth so you can live the life you want

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Extra Features

We can also help you understand any extra features that your plan may offer, such as:

  • Terminal Illness Cover
  • House purchase cover
  • Separation benefit
  • Children’s Cover

Key questions asked by our clients

What our clients say

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