At Heath Protection Solutions we ensure that you, your business and/or your family have peace of mind surrounding your financial commitments should the unexpected occur.
For individuals and those with a family, we understand the importance of mitigating financial risk where possible. Having Protection Insurance in place is one way that you can reduce financial hardship in the event of injury, long-term or critical illness, or death.
As a team of multi-award-winning insurance advisors, Heath Protection Solutions partner with individuals, entrepreneurs and business professionals to source tailored and bespoke insurance policies. As a whole of market firm, we are proud to access a wider range of insurers than what is typically available to clients in the standard protection advisory market. In doing so, our service ensures clients can obtain market leading protection solutions, tailored to personal need.
For clients and high-net-worth individuals with significant financial commitments, for example mortgages, school fees and other large living expenses, a person should consider personal protection insurance including life insurance, critical illness cover and income protection to help safeguard financial stability and ensure your financial commitments are covered in case of unexpected events.
Should you be unable to work due to long-term or critical illness, injury, or job loss, having personal protection insurance in place can help to mitigate financial strain. Our award-winning advisers can source solutions for:
• Families and People with dependants
• High-net-worth individuals and Private Clients
• Homeowners with Mortgages
• Individuals or families looking to protect their wealth with insurance
• Young or High-Risk Professionals
For clients looking to financially protect their loved ones, protection planning is increasingly being used as an intergenerational wealth planning tool. For example, a life insurance policy can be set up to insure against the risk of any inheritance tax liability. This can either be for the long-term liability or if making a lifetime gift, the 7 year potentially exempt transfer (PETs).
If you’re someone who is exploring a whole of life insurance policy, the advisers at Heath Protection Solutions can help to structure the insurance in the most cost and tax efficient way.
Heath Protection Solutions are proud to have direct access to insurers and their underwriting teams. This allows us to complete the underwriting of high value and complex cases inhouse, delivering a bespoke protection arrangement for our clients.
For those with dependents, having life insurance can ensure your family continue to meet financial obligations in the event of your passing. Ultimately, with the correct level of personal protection insurance, clients can benefit from peace of mind by ensuring those who outlive you can comfortably manage financial obligations long-term.
We never know what’s around the corner and having the right safeguarding in place can go a long way in futureproofing your business. But what happens when business owners or key people have their health impacted and are unable to work?
Despite the blood, sweat and tears, most entrepreneurs and business owners are exposed at some point across their career and find themselves in a difficult situation once they realise they’ve overlooked taking out insurance.
Consulting expert advice and securing relevant business protection insurance can help businesses to move forward in difficult times. Having cover can help your business continue trading in the event of losing an owner or significant employee, and can replace key individuals, repay debts or provide the required funds needed to purchase shares from the deceased owner’s estate.
To mitigate your financial risk, the expert advisers at Heath Protection Solutions are on hand to assist:
• Business Owners
• Private Clients
• Self-Employed Clients
• Sole Traders and Self-Employed Consultants
Whether you are a sole trader, a partnership, a limited liability partnership or a limited company there are bespoke policies available to suit your needs. To ensure you are properly protected, consider business protection insurance and benefit from peace of mind knowing that your business can continue when faced with the unthinkable.
At Heath Protection Solutions our tailored service adds value by ensuring you have the right solutions set up for your personal needs, handpicked from the whole of market. By having the correct level of cover in place, you can help to minimise issues should you ever need to claim, and benefits can be paid quickly when needed most.
By partnering with us, we’re here to support your requirements throughout the process; from initial discussions, through to application, underwriting, acceptance and regular reviews.
As a multi-award-winning protection advisory firm, we’ve seen firsthand what difference it makes to clients when they have insurance during challenging times. Our dedicated advisors are driven to finding insurance solutions for our clients, helping to make sure you’re protected in crucial moments.
Let us work with you to review your personal and/or business affairs, and let’s make sure you’ve mitigated any financial risk in the event of death, or serious/long term illness. Get started with Heath Protection Solutions today.
Naomi Greatorex is the managing director of Heath Protection Solutions. Following a successful, multi-award-winning career spanning over a decade working at a senior level for some of the largest UK insurers, Naomi felt it was time to use her specialist knowledge to help clients directly.
In 2014 Heath Protection Solutions was born. Her business gives specialist protection advice to clients while working alongside accountants, wealth managers, mortgage brokers and other professional connections as a specialist consultant.
Protection advice can be complex, there have been huge changes in the products provided here in the last 10 years, particularly in the Critical Illness and Income Protection market and Naomi felt that clients needed guidance to make sure the products they buy are the most suitable. With changes occurring in the market place all the time, Heath Protection add the commitment of regular reviews to ensure sure the solutions recommended continue to offer the cover clients need.
Dan Underwood is a protection adviser at multi-award-winning firm, Heath Protection Solutions.
Dan is an extremely knowledgeable adviser working with business owners,
entrepreneurs and HNW clients seeking personal and business protection insurance.
Using his expert knowledge, he delivers high-quality protection advice to all of his
clients.
Working in Partnership
An Accountant is a key person that business owner(s) would be willing to listen to regarding their need for mitigating their business risk. By working in partnership with Heath Protection Solutions accountants can help their clients access specialist business protection advice.
Wealth Managers offer their clients a plan for the future, through pension and investment advice, however giving protection advice may be an area that they feel less of a specialist in. Increasingly financial advisers are moving away from giving protection advice due to frequently changing products and underwriting philosophies. We partner with wealth managers looking to offer their clients access to in-depth, specialist protection advice.
Mortgage brokers know the value of protecting the home for their clients, they have a responsibility to talk about protection, but due to mortgage volumes and increased compliance often find it difficult to find the time needed to dedicate to protection. Working in partnership with brokers offers the client the best of both worlds.
Lawyers working with private clients and business owners frequently identify the need for protection advice. Either to mitigate tax risks when succession planning with a family, or from a corporate perspective when advising businesses on shareholder agreements or business acquisitions. We work supporting lawyers here, offering a range of advice to mitigate the financial risks.
Heath Protection Solutions Ltd (FRN: 654604) is an appointed representative of Richdale Brokers & Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
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