Protection

Insurance and protection
are absolutely necessary in
many areas of life and work

Real Financial Advice has a wealth of expertise in this area and we are highly qualified to provide detailed, up to the minute advice based on your specific requirements.

Our aim is to make the process as clear and easy as possible…

Life Assurance

Rest assured after you’re gone, your responsibilities will be taken care of.

Critical Illness

Protect your mortgage repayments in the event of critical illness

Income Protection and Mortgage Protection Cover

Get cover in case you become unable to work because of an illness or an accident

Shareholder Protection

Avoid disruption to a business if a shareholder or owner passes away

Key Man Insurance

Protect your business against the loss of key members of staff

Relevant Life Insurance

Insurance for an employee in case of death in service

Life Assurance

Life Assurance

Rest assured after you’re gone, your responsibilities will be taken care of

A life assurance plan is designed to pay out a lump sum payment upon death.

As you start to take on more personal responsibilities, the need for life assurance increases. The protection market is overflowing with the different types of life assurance products.

We would like to help you find a well-suited plan for your needs, keeping you informed at every stage, so you are aware of what you are signing up to.

Critical Illness

Protect your mortgage repayments in the event of critical illness

Are you concerned that you may not be able to make mortgage payments if diagnosed with a critical illness?

This plan will offer a one-off lump sum payment upon diagnosis of a critical illness i.e. cancer or a permanent disability caused by an injury.

As there are many variations of this product on the protection market, we are on hand to help you find a plan which is suited to your needs.

Critical Illness
Income Protection and Mortgage Protection Cover

Income Protection and Mortgage Protection Cover

Get cover in case you become unable to work because of an illness or an accident

Whether you are employed or self-employed and become unable to work due to illness or accident, your income will be protected with this plan which provides a monthly benefit to keep you going when you need it most.

There is a vast array of plans available and Real Financial Advice is here to help you decide on a plan relevant to your needs.

Please note, only a proportion of your income will be protected, usually up to 60%.

Shareholder Protection

Avoid disruption to a business if a shareholder or owner passes away

Shareholder Protection helps business owners buy out the shares of a partner or director who has died or has become terminally ill.

This method ensures that the affected shareholder’s family receive their part of the inheritance as quickly as possible with minimum disruption to the company.

As Shareholder Protection Insurance is vitally important, we will source a wide range of options and work with you to select the most appropriate one.

Shareholder Protection
Key Man Insurance

Key Man Insurance

Protect your business against the loss of key members of staff

Key Man Insurance is essential for businesses where certain employees have specialist skills or knowledge that your business relies on. Should they suffer from long-term absence, or in the event of a death, the insurance will generally cover any lost revenue, as well as sourcing and training a replacement member of staff.

Here at Real Financial Advice, we will source the best insurance plan for the needs of your business.

Relevant Life Insurance

Advice on taking a loan to purchase a property whilst an existing property is up for sale

A Relevant Life Plan is insurance for an employee in case of death in service.

It’s a plan paid into by the employer, which is designed to pay a lump sum if the employee dies or is diagnosed with a terminal illness.

It is typically used by businesses that aren’t big enough to establish group life scheme but want to provide a perk for their directors and staff.

Real Financial Advice will help you find the best plan suited to your needs.

Relevant Life Insurance
Contact Real Financial Advice

Suite 20A Empire Business Park,
off Liverpool Rd,
BB12 6HH

Telephone: 0345 646 0809

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