Personal, Family & Mortgage Protection

Insurance is a serious problem in the UK, with many people choosing to take a risk and leave themselves under-protected. No one likes to contemplate the worst, but we believe that the best move you can make is to prepare for it. This is an important part of planning effectively for your future.

Various factors outwith your control can damage your financial plans, such as illness or unemployment. In the wake of these events it is easy to use up your hard-earned savings, which can hinder your ability to achieve long-term goals, such as buying a house or paying university fees. Sometimes even after returning to work, the result of a forced career break or disability can limit your earning potential. Likewise, if you can no longer afford to make regular contributions towards your pension, the future can become quite uncertain.

We treat protection as the foundation of all aspects of financial planning, as it is likely that everyone will need to utilise various types insurance throughout their lifetime. Broadly speaking, there are four key areas of personal protection to be aware of:

  • Life cover
  • Accident, sickness, and unemployment cover
  • Critical Illness cover
  • Income protection

The common goal of all types of protection plans is to make emergency money available when you need it. Your personal protection needs are likely to be effected by several key factors:

  • Age
  • Financial circumstances
  • Income
  • Children

We understand the importance of protecting yourself and your family. Our trusted advisers will work with you to find the right cover. We will invest time in establishing your specific requirements and budget, recommend the most appropriate protection plans for you based on those things.

Start your journey with Alterno. Call us on 01926 886 491 to book your first consultation, free of charge.