Protection Planning
Life often throws us some interesting curve balls. We help to safeguard your family’s financial position against the unexpected and protect the lifestyle you enjoy.
These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Completely independent
FCA authorised and regulated
Transparent family firm
Clear jargon-free advice
Planning your protection
for peace of mind
Family is the most important thing for most of us and so it is essential to plan and protect them from the unexpected. What would the financial impact be on your family if something were to happen to you? Would money become a problem if you were, for instance, unwell and unable to work? We appreciate this is a sensitive topic but are positioned well to help you.
By looking at your financial position and understanding your goals we can predict the impact on your family if the worst were to happen and use this to suggest and advise on what level of protection you require.
Your financial security is our priority and we want you to have complete trust in the financial advice that you receive from us. We realise that the world of insurance and protection can seem complicated and overwhelming at times with so many options available. We help you cut through this complexity, simplify your protection plans and make sure you are sufficiently protected.
How we can help
We understand from you how much income and capital you need now and in the future to determine the correct level of protection.
We assess your existing plans and find out what benefits you currently have and whether these are sufficient.
Once we understand your circumstances, we search the whole of the market for the best plans for you.
We find the most appropriate products to put in place that are in line with your budget.
If you are concerned about your family’s inheritance tax liabilities we can also give you advice on how to protect this.
Some of the products
we can advise on
At Vision we’re able to advise on a wide range of products:
- Income protection
- Family income benefit
- Life cover
- Life and critical illness cover
- Whole of life
- Mortgage protection
Why choose Vision?
Securing your financial future needn’t be complicated. We will tailor the right plan for you whilst keeping the process simple and hassle-free.
We centre your protection plans around you and your family’s circumstances
We are completely independent so can access the whole of the market
We don’t baffle you with jargon. We prefer to be straightforward and upfront
We’re a boutique family firm – you only deal with a small team dedicated to you
We provide a completely free initial protection planning review
We’re flexible and provide options for meetings face to face, via phone or virtual
Direct access to your personal advisor
It only takes a few seconds to send us your details. Book a free protection review.
Testimonials
FAQs
Get help with the most common questions our team of independent financial advisers get asked.
Can’t find an answer?
Where is my biggest protection need?
The answer to this is that it entirely depends on your circumstances. We work with you to understand where you have existing cover, what benefits you already receive and whether this is sufficient.
Am I paying too much for my current protection and insurance policies?
How do I protect my family if I were to die unexpectedly? - REWRITE
Generally speaking, anybody with dependants or an outstanding mortgage should look at taking out a life policy. At the very least, this should cover debts and ensure the family can keep their home, but preferably it should provide an additional sum to help cushion the shock to your family finances at such a difficult time.
Do I have a sufficient emergency fund and a suitable action plan in place should the worst happen?
Given the unpredictability of life, and the fact that circumstances can change very quickly, it makes sense to hold periodic reviews of your wealth and assets. This is even truer for those people with larger sums of wealth.
Should I protect my income or mortgage payments if I were to lose my job?
How do I protect my family's lifestyle if I develop a long-term medical condition and am unable to work? - REWRITE
Critical illness policies pay out a lump sum, on diagnosis of a range of critical conditions, such as heart attacks, strokes, and certain types of cancer. They can be used to pay off your mortgage or they could be used to pay off school fees that are no longer affordable.
How does the process work?
Initially we provide a free initial protecting planning review that goes over your current circumstances and existing policies & benefits. Once these are established, we then agree to provide a written recommendation that covers what we feel is the most suitable plan to achieve the above. We would then conduct all the administration advised to set these up.
These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Looking for honest protection advice?
Let our financial advisers remove the stress from your protection planning and give you the peace of mind that you and your family are protected. We pride ourselves on our personal, tailored and stress-free service.
Meet your adviser
Schedule a meeting with your Independent Financial Adviser. Your personal adviser will get to know your circumstances and understand where your protection needs are.
Plan
Your financial adviser will research and design a plan to source appropriate levels of cover. Our advisers are professional and friendly, providing support and guidance with every step.
Relax
Once your policies are in place, you can relax knowing that you and your family will be taken care of should there be a significant chance in your circumstances.
How we help
Personal / Business
Retirement Planning
If you feel overwhelmed at the prospect of planning your retirement savings, don’t worry. We are here to help.
Investment Planning
We advise on a range of tax-efficient investments, creating the best-tailored plan for you and your family.
Protection Planning
We help to safeguard your family’s financial position against the unexpected and protect the lifestyle you enjoy.
Wealth Management
Employee Pensions
Depending on the way your scheme is administered, as a business you can benefit from substantial savings.
Business Protection
We provide support to help you mitigate risk and let you plan your business future with confidence.
Not sure what you need?
Get in touch - we're happy to help.
Book a no obligation initial meeting
