The myriad of protection products available on the UK market can be daunting to say the least. You may just require a simple Mortgage Protection Plan to repay your mortgage on death, or you may require your income protected in case you were unable to work through sickness or accident.
Even though protection products can appear simple on the surface, setting up a plan correctly is extremely important. Rather than search the entire market for the ‘cheapest’ premium available, we will take all factors into consideration and ensure that your policy has the best terms available for your own circumstances and is set up in absolutely the right way.
When we undertake a protection review it is astonishing to us that many existing contracts are not set up under the appropriate trust. As part of the overall financial planning process we can advise clients on aspects of trust planning and can place most existing cover into the correct trust without having to take out a new policy.
We don’t work for providers; we work for you. Our expert advice is 100 percent independent because we aren’t tied to certain providers. This means that we aren’t limited in the range of products and services we can provide and will act only in your best interests.
We offer the following types of protection:
- General insurance
- Life assurance
- Critical illness
- Mortgage protection
- Income protection
- Key person cover
- Share protection
- Inheritance Tax protection
Our team includes specialist independent financial advisors who are fully qualified to provide you with wealth management and financial advice, including Scott Davis. Scott is consistently recognised as one of the top financial advisors in the country by VouchedFor.
Book a consultation with our life assurance & protection advisors in Kent
To speak to one of our experts to discuss your requirements, please call 01474 335516 or complete our quick online enquiry form and we will be in touch as soon as possible.
We have offices in Tonbridge, Maidstone, Gravesend, Chatham and Tenterden where we can meet you to discuss your requirements.
We can also offer meetings by Skype for clients who have to travel extensively or who now live abroad. In exceptional circumstances, home visits can also be arranged.
How our life assurance and protection advisors can help you
General Insurance
Come to us for help sorting all your general insurance needs. We can help with all types of insurance, including:
- Buildings insurance
- Household contents insurance
- Vehicle insurance
- Private medical and dental insurance
Life Assurance
Life assurance is vital to ensure that your family and anyone who depends on you financially is protected and provided for after you die. With a life assurance policy, there is no limit on the term. So long as you keep up with the payments during your lifetime, it will pay out when you pass away.
We can advise what kind of life assurance policy would best suit your needs, including term assurance, whole-of-life cover, or endowment policies. We can also provide related tax advice and advice about writing your policy into trust.
Critical Illness
Although it can be hard to imagine, nobody knows if or when they may sustain a critical illness or life-changing disability that could put them in severe financial difficulty. Critical illness cover can help you maintain your mortgage, rent, and/or debts. It can also help you adapt to life with a serious illness, such as paying for home alterations. Our financial advisors can talk you through your options and help you select a policy that works for you.
Mortgage Protection
Mortgages are granted on the home buyer’s ability to repay, even under some financial pressure. However, what about if you lose your job, have an accident or get an illness that stops you from working? Mortgage protection insurance will pay your mortgage payments even if you don’t have a steady income. It could save you from losing your home.
We can talk you through the different types of mortgage protection insurance in detail so that you fully understand what can be covered and what level of cover is right for you.
Income Protection
Income protection insurance is designed to cover some of your income if you become unable to work because of a serious illness or injury. Savings and sick pay often do not go far, particularly if you have a permanent disability and/or need specialist care and equipment. We can help you assess your individual situation and finances to see whether income protection insurance would be worth it for you as well as helping you find the right level of cover.
Key Person Cover
What would happen to your business if one of its key officers or employees died or became unable to work? We can provide practical advice on key person cover which will pay out to the company or its partners should the worst happen.
Share Protection
Putting a share protection scheme in place enables the owners of a business to buy the shares of a fellow deceased owner from the estate. This prevents unknown individuals or businesses from inheriting and the resulting dilution of the surviving owners’ shareholdings. We can help you arrange a share protection policy that fully protects the interests of your business.
Inheritance Tax protection
You can protect your beneficiaries from becoming liable for Inheritance Tax by putting in place a whole of life insurance policy to cover the amount that will fall due. We can talk you through exactly how this type of policy works and help you decide whether putting such a policy in place would benefit you.
Our fees for life assurance & protection advice
We aim to provide the highest quality of advice for a proportionate cost. We are open and transparent about our fees which we will discuss with you during your initial consultation. Please get in touch if you would like to find out more.
Why choose Hatten Wyatt Wealth Management for life assurance, protection & insurance advice?
Our life assurance & protection advisors advise clients all over the UK and internationally, with five offices across Kent in Tonbridge, Maidstone, Gravesend, Chatham and Tenterden.
We can offer you decades of experience. Our specialist expertise means that we are particularly well placed to help people with complex situations, such as high net worth individuals or people with existing illnesses or businesses. We are creative and forward-thinking but also practical; we will carefully assess your needs then provide a service tailored to achieve your goals.
We highly value the relationships we build with our clients and dedicate ourselves to providing an excellent customer experience; we pride ourselves on our warm, friendly advisors, prompt responses to correspondence and our absolute focus on finding and putting in place the protections you need. Our high quality service means that many of our clients have been coming to us for years for all their financial advice needs.
Hatten Wyatt Wealth Management LLP is authorised and regulated by the Financial Services Authority.
Key contacts
Consult our life assurance & protection advisors in Kent
To speak to one of our experts to discuss your requirements, please call 01474 335516 or complete our quick online enquiry form and we will be in touch as soon as possible.
We have offices in Tonbridge, Maidstone, Gravesend, Chatham and Tenterden where we can meet you to discuss your requirements.
We can also offer meetings by Skype for clients who have to travel extensively or who now live abroad. In exceptional circumstances, home visits can also be arranged.