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Regulated
We are authorised and regulated by the Financial Conduct Authority.
Protected
Assets are protected by the Financial Services Compensation Scheme.
Trusted
We are authorised and regulated by the Financial Conduct Authority.

Protecting Yourself and Your Family

We only have to look at the appalling global effects of the Covid-19 virus to witness the fragility of our health and life itself. 

Life Insurance

Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. 

If you die or if you're diagnosed with a terminal illness with a life expectancy of less than 12 month during the length of the policy, it could pay out a cash sum. 

Life Insurance can’t replace the love you give but it could help during a difficult time. After all, life insurance is not for you...its for them.
Inheritance Tax Mitigation

Getting started

  • Arranging protection for family and loved ones is easy enough to do and the younger and healthier you are, the lower the amount you pay.
  • How much and what sort of protection you need depends on individual circumstances, but a comprehensive Financial Plan can give you the answer you need.
Things to think about

Things to think about...

  • What would be the cost to your family and loved ones’ livelihood if you were to die, suffer a critical illness or become unemployed right now?
  • You should arrange adequate insurance, not in the hope that it is ever called upon to pay out, but to have peace of mind that if something did happen to you, your family and loved ones would not suffer financially. 
  • Many employers, but not all, offer insurance as part of the employment package such as ‘death in service’ benefits. This can be taken into consideration when calculating how much protection is sufficient.
  • When arranging protection, it is usually a good idea to set up the policy in trust so that when and if it has to pay out, the payment is not taxed.

How we work

We keep it straightforward and simple.

1  

Arrange a Lifestyle Planning Meeting

A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.

     
2  

Arrange a Financial Planning Meeting

Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.

     
3  

Arrange an Implementation Meeting of your Financial Plan

If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.

     
4  

Arrange an Annual Forward Planning Meeting

Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Let’s start a conversation

We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!