When you’re injured or fall seriously ill, you still need to pay the bills. When you die, you still want your family looked after. If you run a business, you have to know it’s secure.
We specialise in protection so we’re experts in our field. We compare quotes from all major UK insurers so you always get the best deal. Our advice is free, with no obligation, because we want to you to see how our experts can help before you make any commitment to buy.
: If you can’t work through illness or injury, then you’ll want income protection to help pay the bills until you’re back on your feet. This is great security if you’re the main breadwinner in the family. Click the icon above to find out more.
Recovery rates from heart attacks, cancer and strokes are better than ever, but you’ll want financial security while you get well again. Critical Illness cover provides a lump sum to help aid your recovery. Click the icon above to find out more.
The most common form of protection, life insurance pays a lump sum if you die within a set time-frame. Give your family complete financial security in the event of the worst. Click the icon above to find out more.
The NHS is groaning under the weight of the UK obesity crisis and more expensive medical treatments often aren’t available. Health insurance makes ‘going private’ much more affordable – giving you access to more treatments, shorter waiting lists, and first-class care. Click the icon above to find out more.
Virtually identical to ordinary Term Life Insurance, Relevant Life is the most tax-efficient way for Limited Company Directors or their employees to pay life cover premiums. Savings typically range between 32% and 53 depending on your tax bracket. Click the icon above to find out more.
Any business with multiple shareholders should have Shareholder Protection. The policy provides enough cash for the business to buy shares from the family of the deceased, so control remains with the existing owners and the grieving family gets financial security. Click the icon above to find out more.
Many businesses rely upon the skills and experience of key employees in order to operate normally. When a key person dies unexpectedly, the impact on your business can be significant. Key Man Cover offsets the lost income and help cover the cost of hiring a replacement. Click the icon above to find out more.
Barry is married and has three young children – two daughters, 12 and 8, and a son, 6. He works full time and has a £300,000 mortgage on his house near Liphook in Hampshire. Barry already had life insurance, bought from the same bank who gave him the mortgage. That meant the bank would get paid if he died, and his wife wouldn’t be burdened with the debt.
But Barry’s problem was that he never got enough cover to make sure his wife and children were looked after in the years after he died, because the life insurance he bought from the bank was expensive. In the back of his mind Barry knew his family would struggle for money if something happened, even with the mortgage paid off. But he thought extra cover would cost too much, so tried not to think about it.
When Barry began discussing his mortgage with a friend one evening, the conversation soon moved onto life insurance. Barry felt bad that those he loved didn’t have the same security as his friend’s family, so he decided to speak to an adviser and get some quotes.
S4P are passionate about protection because we believe that most people work hard and make sacrifices in order to build a better future - but no matter how hard we try, life sometimes throws a right hook we never see coming.
With the right cushion in place you soften the blow and reduce stress, so you or your family can heal more easily.
When clients or their families are hit by the worst, and they thank us for helping get the right protection in place, we know we’ve made a real contribution to society and had a positive impact on people’s lives.
Quick and easy process and the advisers were very helpful.
A question was asked in the October 2015 AFS exam as regards how a company can put a life cover in place for the benefit of the family of its employee.
Relevant life cover can be regarded as a death in service plan. This plan is put in place to make sure a sum of money is provided to the loved ones or family of an insured in case the person dies while in service for a company.
Every individual wants to have the assurance of how well their loved ones and family will be taken care of after they must have died; however, what does a Relevant Life Policy mean and what are the differences between it and other kinds of Life cover plans?
The team here at Specialists 4 Protection are bound by a shared desire to do more, go further, and work harder than anyone else in the industry. But we’re also a diverse bunch, with hobbies ranging from horse riding to rambling, food to fitness, and animals to astronomy. Oh - and we’re passionate about protection, too! So if you want to put a face to the voice and discover why we really do care, hop over and Meet the Team!
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