Protection


Protecting your assets

Dependent on their wealth, everyone has a level of assets they should insure to protect themselves, their family and estate. Our adviser’s knowledge allows us to recommend a comprehensive plan.

Life can be unpredictable and may not always go to plan. The Penny Group is there to help secure everything you’ve worked for. We’ll build a picture of your assets and calculate the impact on you and your loved ones if anything was to happen. Insurance can help with a wide variety of circumstances from contributing towards you maintaining your lifestyle should you be unable to work, to helping your family to pay the mortgage if the worst was to happen.

There’s also the day-to-day insurance that’s easily forgotten like protecting your home and personal possessions. Our advisers can meet with you to discuss what matters most – and ensure you have the right policies in place.

Types of Protection

We have access to a variety of options available to safeguard against the worst happening. Our advisers are able to assess and recommend the right cover for you.

  • Life cover
  • Critical illness cover
  • Income protection
  • Accident, sickness and unemployment protection
  • Shareholder and key person protection
  • Building and contents cover

Our approach to Protection

Step 1 of 5 - Getting to know you

We’ll discuss any protection policies you already have. Perhaps your employer provides you with Death in Service benefits, or you’ve taken out a personal plan. An adviser will then assess your assets and liabilities, as well as listening to your specific individual requirements.

Step 2 of 5 - Making a recommendation

Once we have assessed your current position we will be able to recommend a suitable plan.

Step 3 of 5 - Submitting your application

We will submit your application to an insurance company’s underwriter. They will review whether they can provide the cover, which may involve further information being requested or a medical exam. We work to minimise the risk of any issues arising before submitting the policy, however if anything is queried we’ll discuss your options and recommend a solution.

Step 4 of 5 - Completing trust documents

We use our expertise to guide you through the legal paperwork. This could mean helping you to complete trust documents and explaining the small print.

Step 5 of 5 - Going forward

As your needs change we’ll be available to review your policies to ensure they provide you with the right cover. Our holistic approach to protection involves considering all aspects of your life. Matters such as death can be difficult to think about and discuss – our experience ensures we approach these subjects with sensitivity and professionalism.

 
 
 

Need help with Protection?

Our business is based on taking the time to listen to people like you and providing advice to help you on your financial journey.

Other Services


Investments & Pensions

We have a deep understanding of products and the markets.

Mortgages

Our expertise covers everything connected with buying and protecting homes and properties.

Estate Planning

Our financial knowledge allows you to manage your estate now and maximise the legacy you leave to your loved ones.

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