Services

Life and Protection Cover

Putting in place protections is a prudent part of financial planning that can bring peace of mind.

Plan for the best and prepare for the worst.

Have you ever considered the financial impact a serious illness would have on your family? Or what you would do with your mortgage if you lost your job? Or how your family would cope financially if you passed away suddenly? Or a key employee, integral to your business success, gets ill or is unable to work?

For most of us, these may feel like improbable events, and hopefully that is the case. The impact if they do occur, however, can be a significant financial set back. Fortunately, there are many ways to mitigate the impact of these events and due to the low probability, it is often an affordable option. Various protections are available for most eventualities, some of which can be combined to reduce the overall cost.

So, while it may not be something we want to address, putting in place protections, it is a prudent part of financial planning that can bring peace of mind.

Choose the right options for you.

bdhSterling has access to the full market of protection options including:

  • Income protection
  • Critical illness
  • Life insurance
  • Mortgage protection
  • Key person insurance

Our independent financial advisors can help you choose the right options for you among the myriad of choices and ensure the terms and conditions meet your needs, have a claims process that is fair and expedient, ensure they work to complement any employee benefits you may have, ensure your choices are tax efficient and ensure you have the best quotations to choose from.

bdhSterling will save you time and help you cut through all the complexity.

Experienced in assessing the options in the context of your goals.

bdhSterling is an independent financial advisory firm who has access to all market options so we can ensure you get the best choice, for you with the best value for money that is affordable. Our experience in assessing the options means we know what we are looking for and how to avoid nasty surprises.

bdhSterling focuses on holistic planning so protections can also be considered in the broader context of your financial goals and status. In some cases, that may mean we recommend you don’t need protection.

To find out how we can help you protect yourself from the unexpected please contact one of our independent financial advisors on 01372 724249 or complete an enquiry form on our website.