Personal Protection

Safeguarding Your Family’s Future

Life is unpredictable, but your future doesn’t have to be. We specialize in building custom safety nets, protecting you and your loved ones against the financial impact of serious illness, disability, or loss due to a death or terminal illness.

How do we address your maximum potential risk?

No family or individual is immune to the life-altering impact of a serious disability or the loss of a loved one. The emotional toll is heavy enough; we help ensure the financial aftermath doesn’t become a second crisis. We help with:

• Loss of Income: The loss of a regular salary can make covering essential bills such as mortgage, rent, utilities, and daily living costs, impossible. Potentially forcing significant lifestyle changes or even the sale of the family home.

• Outstanding Debts: Without a plan, personal loans, credit card debts, and the primary mortgage remain due. Lenders will still demand repayment, placing immense financial strain on surviving family members.
• Childcare and Education Costs: The loss of a parent or guardian often means new expenses for childcare, schooling, or university fees that were previously covered by the lost income or provided by the lost caregiver’s time.
• Final Expenses: The immediate costs associated with funerals and estate administration can create a significant and immediate financial burden during an already difficult emotional time.
• Future Financial Security: The ability to save for retirement or maintain long-term financial goals disappears without adequate protection, leaving dependents vulnerable in the long term.

A Specialist Approach for Every Stage of Life

Our support evolves with you. Whether you’re celebrating a first home, growing your family, or preparing for a purposeful retirement, we provide the flexible protection needed at every major milestone.

Proudly serving:

• First-Time Buyers & Young Families: Providing foundational support to protect initial investments and ensure children are provided for. Offering peace of mind during key life stages.
• Established Families & Homeowners: Helping navigate planning for larger mortgages, school fees, and key lifestyle protection strategies.
• High-Net-Worth Individuals & Retirees: Offering sophisticated solutions for managing complex estates and inheritance tax liabilities, ensuring generational wealth transfer resilience – Please see our private office page for more information.

Our Solutions: Tailored Protection Programs

Our expertise lies in bridging your protection gap with targeted solutions that secure your family’s lifestyle, ensuring funds are available exactly when they are needed most.

• Life Insurance: Provides a tax-free cash lump sum to your beneficiaries upon your death. This fund can clear the mortgage, cover living expenses, and ensure your family maintains their standard of living and achieves their financial goals.

• Critical Illness Cover: A policy that pays out a lump sum if you are diagnosed with a specified serious illness (such as cancer, heart attack, or stroke). This money can cover medical treatment costs, adapt your home, or pay off debts while you recover or adjust your working hours.
• Income Protection: Ensures a replacement income if you are unable to work due to injury or illness. This provides a regular monthly payment that replaces a percentage of your salary until you can return to work or retire, covering your day-to-day bills.
• Family Income Benefit: A cost-effective life insurance policy designed to provide a regular annual or monthly income to your family from the date of your death until a chosen policy end date

Why Choose Us as Your Specialists?

We strip away the jargon to provide a clear, tech-forward experience that puts you in control, delivering a bespoke plan that fits your life perfectly.

• Specialist Expertise: As dedicated personal protection specialists, we understand the nuances of the market and the specific risks your family faces at every life stage. Which is a benefit of a being a Broker at Lloyds of London.

• Personalised Advice: We take the time to understand your unique family structure, financial commitments, and needs, recommending a tailored solution, not a one-size-fits-all policy.
• Ongoing Support: We assist with the entire process, from initial conversations and policy selection to ensuring your cover remains current as your family grows, moves home, and circumstances change.
• Keeping it simple: Many brokers and insurers provide their customers with jargon. We try our very best to simply explain everything you need to know, in a way that supports our duty to customers and supports those who are most vulnerable.

Call us on +44 (0)207 980 3800, email us at enquiries@limestreetbrokers.com, or fill in the form below. One of our advisors will be in touch shortly.