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Personal protection solutions

Providing the assurances that your family will be properly protected if the worst happens.

OverviewOur approach How we can help Our latest thinking

When forming your long-term financial plan, financial protection is a crucial component. Setting the right foundations guarantees that your financial plan is as robust as possible and structured to support success.

It is crucial to ensure that you have the appropriate insurance and financial security in place. We will take time to get to know you as an individual, as this can shape our planning and ensure that our planning approach is one of collaboration.

You can feel secure knowing that your family is safe against unforeseen events with the help of our consultants.

Understanding Pensions and their benefits

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Learn

We’ll take the time to understand your priorities and what drives your decisions. By getting to know you as an individual, we can shape our planning to ensure it’s collaborative and tailored to your needs.

Evaluate

We will review your existing protection, assess its effectiveness, and identify any shortfall risks in your current structure to ensure your protection strategy is robust and aligned with your needs.

Inform

We will inform you of strategies to mitigate your current risk exposure and provide initial cost estimates for these solutions, ensuring you understand the potential financial impact.

Solutions

We will provide and implement our finalised recommendation. As we are completely independent, the open market will be researched to find the best solution available. These solutions will be structured in line with your long-term objectives.

Areas of protection we can help with:

Individual

Family

Business

Individual

The ability to fuel your plan over the longer term, especially at the start of your wealth accrual journey, is an essential mechanism in having a successful financial plan.

As you are your plans biggest asset, have you taken the relevant steps to adequately protect yourself against risk to help secure your financial future where possible?

Some key questions are below to assess whether you may be at risk, what would happen:

to your position if you were unable to work?
if you could return to work to your position but at a reduced capacity?
if you were diagnosed with an illness?

Family

Without the correct financial protection in place, your family could be exposed to unnecessary risk.

Knowing your family will be okay when uncertainty arises is invaluable and there are various ways you can protect against the unpredictable.

Some key questions to assess whether you and your family may be at risk are:

if you were no longer around, how would your family’s lifestyle be impacted?
would there be outstanding debts? Would the income to the household reduce?
what would happen to your family’s position if you were unable to work?
do you have an inheritance tax liability which could be mitigated through the right protection?

Business

While you will be focused on the growth journey of your business, have you adequately protected your asset to ensure continuity
in the event of:

you or your business partner(s) passing away or are no longer able to work due to illness or injury
a key player in the business is impacted by the above events and it takes time to replace them, having an impact on productivity
offering additional protection through work benefits as a means of attracting talent and retaining staff.

Research has demonstrated there is a financial protection gap in the UK

The average age an insured individual now claims on a critical illness cover policy is 49 - criticalillness.org.uk
Only 14% of UK adults have income protection - The Income Protection Gap in the UK - Shepherds Friendly
Compared to 37% of British adults having adequate life insurance The Income Protection Gap in the UK - Shepherds Friendly

By having the correct financial protection in place, you are providing your plan with long term financial stability in the event, unpredictability arises.

Our latest thinking

The Value of Financial Planning

We look at some of the expected and unexpected outcomes from engaging with a Financial Planner through ‘structural benefits’ and ‘wellbeing benefits’.

Why is Business Protection so important?

Having the right protection in place helps your business work through disruptions and stay financially stable.

Net Zero – The what, the why and the how

Net Zero will start to trickle through to our investments as the underlying holdings and businesses start to focus more on sustainability.

The Value of Financial Planning

We look at some of the expected and unexpected outcomes from engaging with a Financial Planner through ‘structural benefits’ and ‘wellbeing benefits’.

Why is Business Protection so important?

Having the right protection in place helps your business work through disruptions and stay financially stable.

Net Zero – The what, the why and the how

Net Zero will start to trickle through to our investments as the underlying holdings and businesses start to focus more on sustainability.

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Case studies

Financial planning advice on how to best position your investment to generate an income in retirement.

Our case studies below demonstrate how we can work with you, to help secure your financial future, select one of our case studies to find out more.

Foundation

Financial Planning advice for a simplified financial journey to help establish strong foundations for future financial success.

Core

Financial advice for when your planning needs have evolved to encompass increased complexity when establishing your financial strategy.

Premium

Advice for complex, high-net-worth financial circumstances that can require sophisticated solutions to help achieve your financial goals.

Let us know your enquiry and we’ll be in touch.

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Disclaimers

Crowe Financial Planning UK Limited is authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide independent financial advice.

The information set out in this page is for information purposes only and is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. It does not constitute advice to undertake a particular transaction. Appropriate professional advice should be taken on specific issues before any course of action is pursued. Any advice provided by a Crowe Consultant will follow only after consideration of all aspects of our internal advice guidance.

Past performance is not a guide to future performance, nor a reliable indicator of future results or performance. The value of investments, and the income or capital entitlement which may derive from them, if any, may go down as well as up and is not guaranteed; therefore, investors may not get back the amount originally invested.

The Financial Conduct Authority does not regulate Trusts, Tax or Estate Planning.

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