Protection

Protect your financial future

We are all aware that we need to make plans to ensure our future is protected, but many of us aren’t doing it. Our financial advisers can help you asses your individual needs should a situation occur to give you peace of mind for the future.
Speak to a financial adviser

Why might you need a protection policy?

Lots of families would struggle to make ends meet if a family member developed a serious illness or died. This is why it’s so important to ensure you have the right financial protection and insurance in place. Our financial advisers can give you peace of mind when it comes to ensuring you and your family and your assets are protected.

Maintain your current lifestyle and make debt repayments if you became unable to work due to having an accident or falling ill
Being able to provide for your family in the event of your death
Protect your business with key person, partnership and shareholder protection
Protect your home and everything in it

Your details will only be used to answer your query and they will not be stored for marketing purposes.

15 minute complimentary conversation

How it works:

We will call you to find out more about your aims and objectives

One of our Financial Advisers will then be in touch at a convenient time.

You will be able to ask any questions you have and find out more about investing with Future Perfect

Your consultation will be at our cost and there is no obligation to work with us afterwards.

The internet is not a secure medium, and the privacy of your data cannot be guaranteed.

Life insurance

Life Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die.

Business protection

Business protection is all about ensuring the unexpected. Business protection will give you peace of mind by protecting your business if something goes wrong.

General insurance

Your home is more than just bricks and mortar. It’s the result of years of hard work; a place where memories are created, and a home for valued and treasured possessions. Making sure you have the right insurance for your home could provide real peace of mind.

Get in touch to find out how we can help you get protected.

Speak to an expert

FAQs

Got a question? We’re here to help.
Why would you use protection/ insurance?
Protection policies are often needed to ensure you and your family can continue to live the same lifestyle in the event of you becoming ill or if you died.
What types of protection could you get?

To be financially protected you will need to take an insurance policy. There are lots of different insurance policies available finding the right one for you will depend on your personal circumstances.

  • Life insurance pays out a lump sum or a regular tax-free income in the event of your death
  • Income protection cover pays a tax-free monthly income if you are unable to work beacuse of your health or an injury.
  • Critical illness cover pays you a lump sum or regular tax-free income if you are diagnosed with a serious illness
What is the difference between level and decreasing term life insurance?

Level and decreasing term life insurance policies provide you with protection for a predetermined length of time, they will pay out a lump sum if you die within this period.

The difference between level term and decreasing term is that with level term the lump sum amount will always remain the same no matter how many years you have had the policy. Whereas with decreasing term the lump sum amount decreases over time.

What is a whole-of-life policy?
Whole-of-life policies are a type of life insurance that last for the rest of your life, rather than for a predetermined number of years. They are often used to cover a future Inheritance Tax bill. Premiums can be guaranteed (the future cost is known) or reviewable (the future cost is unknown).
What are family income benefit policies?
Family income benefit, or FIB, is a type of life insurance policy. Where it’s different from standard life insurance is that it pays out a regular monthly income, rather than a lump sum. You, as a policyholder, will pay a monthly or annual premium, and cover remains in place for a specified length of time.
How does income protection work?
Income protection insurance pays you a regular income if you can’t work because of sickness or disability and continues until you return to paid work or you retire. Income protection insurance is also known as permanent health insurance.
What is critical illness cover?
Critical illness cover supports you financially if you’re diagnosed with one of the conditions included in the policy. The tax-free, one-off payment helps pay for your treatment, mortgage, rent or changes to your home, such as wheelchair access, should you need it.
{

“Excellent advice from Keelan, everything explained so well , easy to understand and straight forward.”

0.5
Janet Copson
{

Kyle Adams has been my financial adviser for a number of years and I find him honest, realistic and impartial in the advice he provides. Always contactable and quick to respond. Thoroughly professional but also friendly. Would highly recommend Future Perfect.

5
Paresh Damani
{

Graeme Moorhouse took us through the process as a first time buyer and highly recommend him!! He is so helpful, flexible and has a very good knowledge. Communications was excellent.

5
Lejla Sass
{

Mark has been really professional in his approach towards introducing me to investing. He has answered all queries in a simple manner.

I would highly recommend this company to anybody who would like to get into investing or need advice on making their hard earned money grow, or need any other form of financial planning advice.

5
Amritash Lahiri
{

"He is professional, quick to respond to queries, his advice and explanations around the progress of investments, savings and pensions is always comprehensive and clear."

5
{

“I found Keelan extremely knowledgeable and very helpful for my investments and would highly recommend him nothing was too much bother and am very happy.”

0.5
Dale Knighton
{

Andrew Dix has been my trusted, go-to advisor at Future Perfect for a number of years. He is courteous and knowledgeable. I particularly appreciate the care he takes to recommend suitable products based on my needs. I never feel pressured to buy, and he is patience and will provide sufficient information so I can make an informed choice. High recommend. 💯

5
M Lin
{

Graeme Moorhouse was absolutely excellent. Took me through the process as a first time buyer. Was always available. Got me the best possible deal even with the hike in interest rates. Could not recommend any higher. Made the process extremely easy

5
Nathan Titus
{

”We have had three meetings with Keelan Heath in our home where we have found him to be extremely helpful and understanding of our needs. Keelan explained everything very clearly and worked very hard on collating our pensions ready for our retirement. The planning is ongoing but so far, we highly recommend Keelan.”

0.5
Tony Merritt
{

I have given Andrew a five star, for his particular service although unfortunately our port folio hasn't performed as well as we hoped (but this is understandable given the current economic situation). However, he has explained everything very thoroughly in a way in which we can understand and given ideas for what we might do in the future to improve the performance. We have been involved with Future Perfect for many years and this is the only year that we haven't had a positive performance - we feel that we can trust Andrew and that is half the battle.

5
Janet Down