Protection solutions

If something happened to you tomorrow, would your family be able to pay the mortgage, cover school fees, or manage day-to-day bills? Life assurance provides a financial safety net for the people who depend on you. In the event of your death during the policy term, a lump sum can be paid to your loved ones, helping them maintain their lifestyle and meet their financial commitments at an already difficult time.

It’s important to find the right policy that reflects your family’s needs, your budget and your long term financial plan. At LFWM, we take the time to understand your family's circumstances, financial responsibilities and long-term objectives before recommending suitable cover. Our experts compare policies across the market and ensure any protection put in place complements your wider financial plan, giving you confidence that those closest to you would be financially secure should the unexpected happen.

Being diagnosed with a serious illness can be emotionally and financially challenging, particularly if your ability to work and earn an income is affected. Critical illness cover provides a lump sum payment if you're diagnosed with a specified serious illness covered by the policy. This can help toward medical expenses, household bills, debt repayments or simply provide financial breathing space while you focus on your recovery.

Our advisers can help you understand the differences between providers, policy definitions and levels of cover. We'll ensure you have a clear understanding of what's included and recommend a solution that aligns with your needs, budget and existing protection arrangements.

Whole of life cover is designed to provide protection throughout your lifetime, provided premiums are maintained, guaranteeing a payout when you die.

This type of cover is often used as part of estate planning, helping families manage potential inheritance tax liabilities, preserve wealth across generations, or leave a lasting financial legacy.

We work closely with you and, where appropriate, your other professional advisers to ensure any whole of life policy supports your wider estate and succession planning objectives. Our advice is tailored to your circumstances and reviewed regularly as your needs evolve.

Your ability to earn an income underpins almost every aspect of your financial wellbeing.

If a long term illness or injury prevents you from working, income protection can provide a regular replacement income, helping you continue to meet essential commitments such as mortgage payments, household bills and everyday living costs.

Choosing the right policy can be complex, with various benefit levels, deferment periods and policy options to consider. We help simplify the process, identifying cover that fits your profession, earnings and financial goals, so you can focus on your recovery without worrying about your finances.

For many people, their home is their most valuable asset and their mortgage their largest financial commitment.

Mortgage protection is designed to help repay some or all of the outstanding mortgage balance if you die during the policy term, helping your loved ones remain in their home without additional financial pressure. The level of cover will typically match the current mortgage amount then reduce over time in line with the outstanding mortgage balance, ensuring the protection reflects the amount still owed.

Our advisers will assess your mortgage arrangements and wider financial position to recommend cover that reflects your needs. We can also help integrate mortgage protection with other policies to create a comprehensive protection strategy rather than a collection of standalone products.

Many businesses rely heavily on individuals whose knowledge, relationships, expertise or leadership are critical to ongoing success.

Key person insurance helps protect the business from the financial consequences of losing a key individual due to death or serious illness. The proceeds can help offset lost profits, support recruitment costs or provide stability during a period of transition.

At LFWM, we help business owners identify key risks, quantify the potential financial exposure and implement suitable protection arrangements. Our goal is to help ensure your business remains resilient when faced with unexpected challenges.

The death or serious illness of a shareholder can create uncertainty for both the business and the individual's family.

Shareholder protection helps ensure remaining shareholders can retain control of the business, while providing the shareholder's family with fair value for their shareholding. When combined with appropriate legal agreements, it can offer clarity and certainty during difficult circumstances.

We work with business owners and professional advisers to structure arrangements that support business continuity, protect ownership and provide reassurance for all parties involved.

Outstanding business loans can place significant pressure on a company if a key individual dies or becomes seriously ill.

Business loan protection provides funds that can help repay outstanding borrowing, reducing the financial burden on the business and helping to safeguard its future.

Our advisers can review your existing liabilities, lending arrangements and business objectives to identify the most appropriate level of protection. By putting suitable plans in place, we can help ensure debt does not become a barrier to your business's continued success.

A competitive employee benefits package can play an important role in attracting, retaining and supporting valued employees.

Death in service cover provides a tax-efficient lump sum benefit to an employee's beneficiaries should they die while employed by your business, offering valuable financial support when it's needed most.

At LFWM, we help employers design and implement employee protection arrangements that are appropriate for their workforce and business objectives. We'll guide you through the options available and ensure any solution is cost-effective, easy to administer and valued by your employees.