Keep Your Life on Track Whatever Happens

Protection Planning

Protection planning keeps life steady if illness, injury or loss gets in the way. It keeps your bills paid, home secure and gives you treatment on your terms. Fintrel puts the safety net in place so your plans don’t unravel when the unexpected hits.

How Protection Planning Helps in Real Life

  • You can’t work for a while Your income keeps steady so day-to-day life carries on. Your mortgage is covered, savings stay intact and you can focus on getting better
  • A serious diagnosis lands A lump sum gives you options – time off, adapting your home, clearing debt or paying for private treatment
  • The worst happens Money reaches the right people quickly, so home and routines stay stable during a difficult time

Key Benefits of Protection Planning

When health or income takes a knock, protection helps life feel a bit more normal. It keeps you in your home and gives you breathing space. It protects savings so you’re not forced to sell investments at the worst time. It keeps your home life steadier. 

If you run a business, projection helps cash flow, payroll and ownership stay on track, so your team and family are looked after. Cover is shaped to a monthly budget and adjusted as the business changes and grows.

Cover That Keeps Life Moving

You’ll get clear, plain-English guidance, without jargon or pressure. We check what you’ve already got in place through existing policies, then recommend the right mix. 

Life insurance

Provides a payout to protect your family and home if someone dies. Helps maintains lifestyle and avoids difficult financial choices at the worst time.

Income protection

Replaces part of your earnings if illness or injury stops you working. Keeps the bills paid so you can focus on recovery not your finances.

Critical illness cover

Pays a tax-free lump sum on diagnosis of specified serious conditions. Lets you fund treatment and plan for what’s next without worrying about money.

Private medical insurance

Provides faster access to specialists, scans and treatment. Gives more control over appointments and hospitals so you can get back to normal life sooner.

Family income benefit

Delivers a monthly income to your loved ones if you die, so household cash flow remains steady year after year.

Not sure what you need? We’ll do the thinking and tailor the mix to your budget and priorities.

Protect my finances

Support That Makes Claiming Simple

We stay with you throughout. You’ll know who’s handling what, what documents are needed and when to expect updates. We talk to the insurer, chase progress and make the admin lighter, so you can focus on yourself and your loved ones. 

Protection for Business Owners

Your business funds your life. Protection keeps it running if a key person is ill or injured and protects the people who rely on it.

  • Keep the lights on
    Cover for owners and key team members helps maintain cash flow, meet payroll and keep projects moving during time off
  • Protect ownership
    Shareholder protection gives co-owners the funds to buy shares from a deceased partner’s estate, preventing unwanted third-party involvement and giving families fair value
  • Safeguard lending
    Loan protection ensures business debts can be paid if something happens to the guarantor, protecting personal assets and credit standing
  • Retain and recruit
    Relevant life plans and private medical cover can be tax-efficient ways to look after your team, helping you stand out to talent

We’ll map your business risks and check what’s already in place. Then we’ll suggest the most effective protection to keep the company stable and your family secure.

Protect my business

Frequently Asked Questions – Protection Planning

What protection insurance do I actually need?

It depends on who relies on you and also your debts, income and any work benefits. Most families start with life insurance to cover the mortgage and loved ones. They’ll look at income protection to replace earnings if you can’t work and critical illness cover for a one-off lump sum after a serious diagnosis. Private medical and family income benefit can round out the plan.

How much does personal insurance cost per month?

Price is driven by age, health, smoker status, occupation, the amount and length of cover and product features. We size cover to the monthly budget you set and remove overlaps so you only pay for protection you’re likely to use.

How much life insurance do I need for my mortgage?

Match the cover to your mortgage balance and term so the debt can be cleared if you die. Use decreasing cover for a repayment mortgage and level cover for interest-only. You should add a buffer if you want bills and childcare covered as well.

Is income protection better than critical illness cover?

Income protection and critical illness cover do different jobs. Income protection pays a regular benefit if illness or injury stops you working. Critical illness cover pays a tax-free lump sum on diagnosis of specified conditions. Many people combine both. This gives steady income for day-to-day costs plus a lump sum to clear debts or fund time off.

How much of my salary will income protection replace?

Most policies insure a percentage of your gross salary (commonly around 50 – 65%) until you return to work or the benefit period ends. We co-ordinate the waiting (deferred) period with any employer sick pay so you’re covered when income actually stops.

I already have insurance through work. Is it enough?

Often it’s a helpful base but not enough to cover the mortgage, household bills and family needs in full. It usually ends when you change jobs. We review your work benefits, keep what’s useful and top up only where there are gaps.

Important information

The information on this page is for general guidance only and does not constitute personal financial advice. We recommend seeking advice tailored to your individual circumstances before making financial decisions.

Note that life insurance and financial protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Life insurance products vary, and suitability depends on individual circumstances. Always seek advice from a qualified professional before making any decisions.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

This document is provided for information purposes only and it is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial product. For guidance, seek professional advice.