{"id":833,"date":"2021-09-24T12:30:19","date_gmt":"2021-09-24T12:30:19","guid":{"rendered":"https:\/\/www.lubbockfine.co.uk\/?page_id=833"},"modified":"2026-10-07T15:38:24","modified_gmt":"2026-10-07T15:38:24","slug":"protections-solutions","status":"publish","type":"page","link":"https:\/\/www.lubbockfine.co.uk\/wealth-management\/protections-solutions\/","title":{"rendered":"Protection solutions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"833\" class=\"elementor elementor-833\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d04580 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d04580\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a88d90d\" data-id=\"a88d90d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6c554c elementor-widget elementor-widget-content\" data-id=\"e6c554c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"c-content\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"c-content__content-container\"> \n                                                <div class=\"c-content__content cms-content\">\n                            <div ><p><strong>Protection means more than just an insurance policy. Our protection planning services help provide financial security for your family and business partners when it matters most.<\/strong><\/p><p>As part of your overall financial planning, it's vital to consider what the financial impact of premature death or long-term ill-health would be on you and your family. With no plans in place, you could be putting yourself and your loved ones under great financial strain. Whether you have dependants relying on your income, a mortgage to protect, or a business to safeguard, the right protection in place gives you and them confidence.<\/p><p>Through our protection planning services, we can help you to put arrangements in place to ensure that your family or your business partners would be adequately protected financially in the event of serious long-term illness, injury or premature death.<\/p><p>\u00a0We advise on all types of insurance policies, acting as an intermediary and providing advice, which is based on a fair and personal analysis of the whole of market.<\/p><p><a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/meet-the-team\/\">Our advisers<\/a> will work with you closely to understand your financial position, family circumstances and business needs, then create a protection plan that provides you and your loved ones with peace of mind if unforeseen events were to happen.<\/p><h2>How we can help:<\/h2><p>Where we provide protection planning services, we can help you consider a combination of different insurance policies to provide appropriate level of protection for your circumstances, helping to meet your financial commitments and support your wider financial goalss:<\/p><\/div>\n                        <\/div>\n                        \n                                                    <div class=\"c-content__accordion js-accordion\">\n                                                                                                                                    <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-1\" aria-controls=\"accordion-panel-1\" aria-expanded=\"false\">\n                                                Life assurance                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-1\" aria-labelledby=\"accordion-header-1\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>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.<\/p><p>It\u2019s important to find the right policy that reflects your family\u2019s 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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-2\" aria-controls=\"accordion-panel-2\" aria-expanded=\"false\">\n                                                Critical illness                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-2\" aria-labelledby=\"accordion-header-2\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>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.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-3\" aria-controls=\"accordion-panel-3\" aria-expanded=\"false\">\n                                                Whole of life                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-3\" aria-labelledby=\"accordion-header-3\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Whole of life cover is designed to provide protection throughout your lifetime, provided premiums are maintained, guaranteeing a payout when you die.<\/p><p>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.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-4\" aria-controls=\"accordion-panel-4\" aria-expanded=\"false\">\n                                                Income Protection                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-4\" aria-labelledby=\"accordion-header-4\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Your ability to earn an income underpins almost every aspect of your financial wellbeing.<\/p><p>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.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-5\" aria-controls=\"accordion-panel-5\" aria-expanded=\"false\">\n                                                Mortgage protection                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-5\" aria-labelledby=\"accordion-header-5\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>For many people, their home is their most valuable asset and their mortgage their largest financial commitment.<\/p><p>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.<\/p><p>Our advisers will assess your mortgage arrangements and wider financial position to recommend cover that reflects your needs<em>.<\/em> We can also help integrate mortgage protection with other policies to create a comprehensive protection strategy rather than a collection of standalone products.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-6\" aria-controls=\"accordion-panel-6\" aria-expanded=\"false\">\n                                                Key person insurance                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-6\" aria-labelledby=\"accordion-header-6\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Many businesses rely heavily on individuals whose knowledge, relationships, expertise or leadership are critical to ongoing success.<\/p><p>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.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-7\" aria-controls=\"accordion-panel-7\" aria-expanded=\"false\">\n                                                Shareholder protection                                             <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-7\" aria-labelledby=\"accordion-header-7\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>The death or serious illness of a shareholder can create uncertainty for both the business and the individual's family.<\/p><p>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.<\/p><p>We work with business owners and professional advisers to structure arrangements that support business continuity, protect ownership and provide reassurance for all parties involved.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-8\" aria-controls=\"accordion-panel-8\" aria-expanded=\"false\">\n                                                Business loan protection                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-8\" aria-labelledby=\"accordion-header-8\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Outstanding business loans can place significant pressure on a company if a key individual dies or becomes seriously ill.<\/p><p>Business loan protection provides funds that can help repay outstanding borrowing, reducing the financial burden on the business and helping to safeguard its future.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-9\" aria-controls=\"accordion-panel-9\" aria-expanded=\"false\">\n                                                Death in Service cover                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-9\" aria-labelledby=\"accordion-header-9\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>A competitive employee benefits package can play an important role in attracting, retaining and supporting valued employees.<\/p><p>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.<\/p><p>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.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        \n    \n                                            <\/div>\n\n                    \n                                        \n                                            <div class=\"c-content__sidebar\">\n                                                                            <div class=\"c-content__sidebar-block\">\n                                <div class=\"row\">\n                                    <h2 class=\"c-content__sidebar-title\">Key contacts<\/h2>\n                                <\/div>\n                                <div class=\"row\">\n                                                    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Image\"\n                                        class=\"c-blog-listing__item-image\" \/>\n                                <\/div>\n                                                                            <h2 class=\"c-blog-listing__item-title\">Key person protection &#8211; Insuring business resilience\u202f<\/h2>\n                    <\/a>\n\n                                        \n                    <div class=\"c-blog-listing__item-meta\">\n                        <time class=\"c-blog-listing__item-date\" datetime=\"2025-10-27\">27th October 2025<\/time>\n                                                                            <ul class=\"c-blog-listing__item-category-container\">\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/lubbock-fine-wealth-management\/\">Lubbock Fine Wealth Management<\/a>\n                                    <\/li>\n                                                            <\/ul>\n                                                \n                    <\/div>\n                <\/div>\n                                <div class=\"c-blog-listing__item\">\n                    <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\/ai-financial-planning-benefits-risks\/\" class=\"c-blog-listing__item-link\">\n                                                                                                                                                <div class=\"c-blog-listing__item-image-container\">\n                                    <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75.png\"\n                                        srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-300x120.png 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-1024x410.png 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-768x307.png 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-1536x614.png 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-2048x819.png 2048w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-75-590x236.png 590w\" \n                                        loading=\"lazy\" \n                                        alt=\"You don\u2019t always get what you want! Mick Jagger\u2019s statement could also apply to HMRC! Image\"\n                                        class=\"c-blog-listing__item-image\" \/>\n                                <\/div>\n                                                                            <h2 class=\"c-blog-listing__item-title\">AI and its growing role in the world of personal finance planning<\/h2>\n                    <\/a>\n\n                                        \n                    <div class=\"c-blog-listing__item-meta\">\n                        <time class=\"c-blog-listing__item-date\" datetime=\"2026-05-11\">11th May 2026<\/time>\n                                                                            <ul class=\"c-blog-listing__item-category-container\">\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/lubbock-fine-wealth-management\/\">Lubbock Fine Wealth Management<\/a>\n                                    <\/li>\n                                                            <\/ul>\n                                                \n                    <\/div>\n                <\/div>\n                \n                            <div class=\"c-blog-listing__footer\">\n                    <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\" class=\"c-blog-listing__footer-link c-btn\">View all Insights<\/a>\n                <\/div>\n                    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96f24d0 elementor-widget elementor-widget-content\" data-id=\"96f24d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"c-content\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"c-content__content-container\"> \n                                                <div class=\"c-content__content cms-content\">\n                            <div ><h2>FAQs<\/h2><\/div>\n                        <\/div>\n                        \n                                                    <div class=\"c-content__accordion js-accordion\">\n                                                                                                                                    <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-1\" aria-controls=\"accordion-panel-1\" aria-expanded=\"false\">\n                                                Which protection policies do I actually need?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-1\" aria-labelledby=\"accordion-header-1\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>It depends on your circumstances. If you have dependants relying on your income, life assurance with critical illness is usually essential. If you're self-employed or your income is crucial to your family, income protection matters. Business owners typically need key person, shareholder, or business loan protection. We recommend a brief conversation to identify which policies make sense for you as there's no one-size-fits-all answer.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-2\" aria-controls=\"accordion-panel-2\" aria-expanded=\"false\">\n                                                How much protection should I have?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-2\" aria-labelledby=\"accordion-header-2\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>This depends on your financial commitments, dependants, outstanding mortgage, and business obligations. A good starting point is to consider: if you couldn't work, how much income would you need to replace the income that is now lost? What debts would need repaying? What would your business face? Our advisers can help you work out appropriate cover levels based on your specific situation.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-3\" aria-controls=\"accordion-panel-3\" aria-expanded=\"false\">\n                                                What's the difference between life assurance and critical illness cover?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-3\" aria-labelledby=\"accordion-header-3\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Life assurance pays out if you pass away. Critical illness cover pays out if you're diagnosed with a serious illness (while still alive), giving you funds to recover, cover treatment, or manage financially while you can't work. Many people use both because they protect against different risks.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-4\" aria-controls=\"accordion-panel-4\" aria-expanded=\"false\">\n                                                Can I change my protection arrangements if my circumstances change?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-4\" aria-labelledby=\"accordion-header-4\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Yes. Life circumstances change as you might have children, move house, grow your business, or take on new commitments. We regularly review protection plans with our clients and adjust cover as needed. It's why we recommend reviewing your protection every 2\u20133 years or when major life changes happen.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-5\" aria-controls=\"accordion-panel-5\" aria-expanded=\"false\">\n                                                What if I've had previous health issues, can I still get cover?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-5\" aria-labelledby=\"accordion-header-5\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>In most cases, yes, though you'll need to disclose your medical history. Some conditions may result in higher premiums, exclusions, or require additional underwriting. We can advise on what's available and help you find suitable options. It's always worth asking rather than assuming you can't be covered.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        \n    \n                                            <\/div>\n\n                    \n                                        \n                                    <\/div>\n            <\/div>\n        <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0997afd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0997afd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b16cf15\" data-id=\"b16cf15\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4361d1f elementor-widget elementor-widget-cta-with-image\" data-id=\"4361d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"cta-with-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"c-cta-with-image   \">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"c-cta-with-image__content\">\n\t\t\t\t\t\t<div class=\"c-cta-with-image__content-inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-cta-with-image__title-container\">\n\t\t\t\t\t\t\t\t<h2 class=\"c-cta-with-image__title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Get in touch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<p class=\"c-cta-with-image__description\">Speak to a member of our expert team.<\/p>\n\t\t\t\t\t\t\t<div class=\"c-cta-with-image__link-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/contact-lfwm\/\" class=\"c-cta-with-image__link c-btn\">Contact us<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"c-cta-with-image__image-container\">\n\t\t\t\t\t\t<div class=\"c-cta-with-image__image-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1.jpg\" \n\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-300x197.jpg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-1024x673.jpg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-768x504.jpg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-590x388.jpg 590w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1.jpg 1218w\"\n\t\t\t\t\t\t\t\talt=\"You don\u2019t always get what you want! Mick Jagger\u2019s statement could also apply to HMRC! Image\" \n\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\t\t\tclass=\"c-cta-with-image__image\">\n\t\t\t\t\t\t\t<div class=\"c-cta-with-image__image-triangle\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29d756e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29d756e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5df7905\" data-id=\"5df7905\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38b2ca9 elementor-widget elementor-widget-cta-listing\" data-id=\"38b2ca9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"cta-listing.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"c-cta-listing \">\n            <div class=\"container\">\n                <div class=\"c-cta-listing__container\">\n                    <div class=\"row\">\n                        <h2 class=\"c-cta-listing__title\">Discover more<\/h2>\n                                                                            <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/retirement-planning\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1.jpeg\" \n                                                alt=\"Retirement planning Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-300x225.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-1024x769.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-768x577.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-1536x1153.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-2048x1538.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Retirement planning<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/financial-modelling\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-scaled.jpeg\" \n                                                alt=\"Financial modelling Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-300x200.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-1024x683.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-768x512.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-1536x1024.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/dmitry-vechorko-q6Kc9TrKD7M-unsplash-1-2048x1365.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Financial modelling<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/business-financial-planning\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-scaled.jpg\" \n                                                alt=\"business planning financial advice\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-300x162.jpg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-1024x551.jpg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-768x413.jpg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-1536x827.jpg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-2048x1103.jpg 2048w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2026\/07\/shutterstock_291744389-590x318.jpg 590w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Business financial planning<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/tax-planning-strategies\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-scaled.jpeg\" \n                                                alt=\"Tax planning strategies Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-300x200.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-1024x683.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-768x512.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-1536x1024.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-2048x1365.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Tax planning strategies<\/h3>\n                                <\/a>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Protection means more than just an insurance policy. Our protection planning services help provide financial security for your family and business partners when it matters most. As part of your overall financial planning, it&#8217;s vital to consider what the financial impact of premature death or long-term ill-health would be on you and your family. With [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8145,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-833","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Protection Solutions &amp; Insurance Planning | LFWM<\/title>\n<meta name=\"description\" content=\"Protection solutions for families and businesses, including life assurance, income protection and critical illness cover.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/protections-solutions\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protection solutions\" \/>\n<meta property=\"og:description\" content=\"Protection means more than just an insurance policy. 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