Personal Protection

Personal Protection is often the last form of insurance considered, yet for some it can be one of the most important. The ‘it’ll never happen to me’ thought process really won’t cut it when the time comes. Protecting yourself and your family against the unexpected ensures your loved ones are looked after in the event of an accident, serious illness or unemployment. 

We at Fairfield Financial Solutions Ltd provide impartial advice to those looking to secure their future. From life insurance policies that are often much less costly than expected, to critical illness, income protection and family income protection. 

We also offer a range of business protection, which can be found here

If you wish to find out more about the insurances and protections available to you, or to explore any unusual situations, please contact our team  on 01638 551476 who will be happy to help. 

Life Insurance can be one of the most important insurances taken out by those with dependents. From children to siblings and all others considered dependents, life insurance will protect your loved ones from financial worries in the event of your death in the term of the contract.

Often surprisingly more cost effective than preconceived, policies can start from just £5 per month and are calculated on factors such as your age, health, occupation, length of term and some other considerations.

Providing a lump sum pay out to your dependents should you pass away, policies allow you to choose the size of the pay out and the length of term. Or example, you may decide to have cover until your children are grown up and have left home.

With a full range of policies available, sometimes an off the shelf package isn’t the best solution for your family. To find a more tailored plan and one that works for you and your family, contact our team on 01638 551476.

Have you ever asked yourself whether your family could cope financially if you became seriously ill and could not earn a living? It’s not a nice topic of conversation, yet it is one that should not be ignored.

Aiding your loved ones to meet mortgage payments, and the cost of other household bills if you so choose, Critical Illness Protection offers peace of mind. Whilst not to be confused with life insurance, the protection will pay out a tax-free lump sum if you are diagnosed with a certain illness named in your policy.

The money received can be spent however you wish, from clearing debts to paying for medical bills and adapting your home to your particular needs. You can also invest some or all of the lump sum to generate income for your family to live on.

To discuss the protection policies available, just call one of our team on 01638 551476.

Income Protection provides a safety net should the time come when you are unable to work or lose your job. With the Money Advice Service reporting that only 4 in 10 adults in the UK have more than £500 of savings, would you be covered?

With rising rent charges, cost of living and dependent commitments, income protection will provide peace of mind should you find yourself in an unstable position.

To find out what policy best suits your circumstances, contact our team on 01638 551476

Family Income Protection enables you to secure the future of your family, in the event of an illness or inability to work. 

Offering an alternative to Life Insurance, which pays out a lump sum, Family Income Protection offers stability in the form of monthly income spread over the remaining term of the policy. This income can then be used to help pay for normal monthly costs of living.

Taking care of your dependents financial security is an easy plan to put in place, simply give our team a call to discuss your circumstances and we’ll find the best policy for you. 

THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

CRITICAL ILLNESS PLANS ALSO HAVE NO CASH IN VALUE AND WILL CEASE AT THE END OF TERM. IF YOU STOP PAYING YOUR PREMIUMS YOUR COVER MAY END. PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT, IF YOU GO AHEAD WITH THE PLAN. 

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