The last few years have taught us that life can be unpredictable and may not always go to plan. We believe that protecting your assets should be a critical part of your financial plan.

We will build a picture of your circumstances and calculate the impact on you and your loved ones if anything unexpected was to happen. Protection and insurance can help in a wide variety of circumstances from contributing towards maintaining essential expenditure should you be unable to work, to helping your family pay off the mortgage in the event of premature death.

There’s also the day-to-day insurance that’s easily forgotten like protecting your home and personal possessions. Our advisers meet with you to discuss what matters most – and ensure you have the right policies in place.

Protection advice

It is important to protect your property, its contents, as well as your ability to keep up with your mortgage repayments, should the unexpected happen. Our protection advice is designed to help protect you, your loved ones and the things that matter most. We have access to a variety of options available to safeguard against the worst happening. Our advisers are able to assess and recommend the right cover for you.

Income protection

This can replace part of your income if you are unable to work for a period of time as a result of illness or disability. It will pay out until you return to work.

Accident and sickness

There is a lot that can take you by surprise in life, accidents do happen and you could fall unexpectedly ill. If any of these events happen, it will affect how you earn your living. This policy pays out a lump sum.

Life insurance

Premature death is often the last thing we want to talk about, however, if you die unexpectedly, a life insurance policy will pay out a lump sum to your family.

Building and contents cover

All lenders require you to fully insure your property for the total cost of rebuilding it. Buildings insurance covers your home, as well as its fixtures and fittings. Contents insurance covers your personal possessions.

Shareholder and key person protection

As a business owner, people are your biggest asset; and your biggest risk. Many business owners have not considered the consequences that could occur if something happened to a shareholder, partner or other key person.

Critical illness cover

This type of insurance policy pays out a lump sum if you’re unfortunate enough to be diagnosed with a specified critical illness such as cancer, stroke or heart attack.

Our approach

We follow a five-step consultative approach to ensure you receive personalised financial advice.

Step one forms the initial no obligation consultation where we agree how we work together and is at our expense.

Our advisers will guide you through each step at a pace that suits you and together we will formulate your financial plan.

Understanding

We set your goals, considering your needs and circumstances

Analysis

We assess any existing policies, research the best protection for you and recommend suitable plans

Arrangement

Your application is submitted and the terms under which cover can be offered is reviewed

Administration

We use our knowledge and expertise to implement the plan

Review

As your needs change we’ll be available to review your policies and make any necessary changes

Schedule a meeting with an adviser

Email info@thepennygroup.co.uk or call 0207 061 2345 if you would like to schedule in your initial consultation with one of our experienced advisers.

Protection & Insurance