Protection

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Protecting you and your family

Protecting yourself is one of the most important parts of financial planning, however, many people often overlook this area.

We offer a comprehensive range of life insurance policies to protect you and your family in the event of accident, sickness, or death.

Planning for your future

Life Insurance

The purpose of life cover is to make a tax-free payment when you pass away. This payment can be made almost immediately after death and can help bereaved family members in making necessary arrangements. The most common type of life cover is taken out to cover debt (such as a mortgage), but there are various forms of life insurance available. Some may pay out on a regular basis to cover childcare costs and others may pay out a lump sum to help cover an Inheritance tax liability.

A common mistake made by many people is that they don’t write their life cover into trust, which can mean that when the life insurance policy pays out, it is paid into the estate rather than a specific beneficiary, which can cause delays in getting the money to the person who really needs it, or even create an Inheritance tax liability. This is why it is essential to seek advice when considering your needs in this area.

Trusts are not regulated by the Financial Conduct Authority.

Plan Ahead

Critical IlLness cover

If you were to become seriously unwell or involved in a life-changing accident and were unable to work again, this can sometimes have a greater impact on your family than loss of life.

This is because you are no longer able to work and therefore provide an income for you and your family, and at the same time would likely have increased living costs. Furthermore, there may be additional costs involved in modifying your home.

This is the situation where Critical Illness Cover aims to provide you with the financial security needed at such a difficult time, again either via a lump sum tax free payment or regular tax-free payments.

GET COVERED

Income Protection

Most of us are entitled to sick pay from our employer. The amount we can be entitled to and for how long can vary considerably from employer to employer, and self-employed people have no sick pay at all. If you were to become ill for any reason and unable to work, then this can quickly put a large financial strain on your household, and can even lead to your home being repossessed. An Income Protection policy is designed to pay you an income to replace part of your earned income which can help ensure you can maintain your bills whilst you are unwell.

Have any questions?
Want to know a little more?

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RWB Wealth Ltd, Regus House, Malthouse Avenue, Cardiff Gate Business Park, Cardiff, CF23 8RU

SJP Approved
26/10/2023

RWB Wealth Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.