Protecting yourself and your loved ones from life’s uncertainties is a top priority, but with the myriad of protection products available in the UK market, it can be overwhelming to navigate the options. At 3D Financial Planning, our aim is to simplify this process and provide you with peace of mind through tailored protection solutions.

During our comprehensive protection review, we will carefully assess your unique needs and priorities, identifying the areas that require coverage. We take the time to explain the different types of insurance products available, such as life insurance, critical illness, and income protection, and the specific benefits each can offer.

Whether you need a simple Mortgage Protection Plan to secure your home or seek to protect your income in case of sickness or accident, we will recommend solutions that align with your needs and budget. Our priority is to ensure that your policy has the best terms available, suited to your individual circumstances, and set up correctly to maximise its effectiveness.

One common oversight we encounter during protection reviews is that many existing contracts are not established under the appropriate trust. As part of our holistic financial planning process, we can advise you on trust planning and, if necessary, restructure your existing cover to ensure that benefits are paid to your beneficiaries quickly and free of inheritance tax.

Our range of protection offerings includes Life Assurance, Critical Illness, Mortgage Protection, Income Protection, Business Protection, and Inheritance Tax protection. We will guide you through each option, explaining their benefits and limitations, so you can make informed decisions about safeguarding your financial future.

Our recommendations are centred around your specific needs and priorities. Our experienced advisors are committed to providing you with the peace of mind that comes from knowing you and your loved ones are financially secure should the worst happen.

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    Insurance and Protection FAQs

    Life insurance is a financial safety net that provides a lump sum payment to your beneficiaries in the event of your passing. It ensures that your loved ones are financially protected and can maintain their quality of life when you’re no longer there to provide for them.

    Critical illness insurance pays out a lump sum if you are diagnosed with a serious illness covered by the policy. Unlike life insurance, it provides financial support during your lifetime, helping you cope with medical expenses and other financial obligations while you focus on recovery.

    Income protection insurance provides a regular income if you are unable to work due to illness or injury. It ensures that you can meet your living expenses, such as mortgage or rent payments, bills, and other financial commitments, even if you’re unable to earn an income.

    The amount of insurance coverage you need depends on various factors, including your financial obligations, lifestyle, and the number of dependents you have. Our advisors will assess your specific circumstances and recommend a suitable coverage amount tailored to your needs.

    Inheritance Tax protection involves setting up insurance solutions to cover potential IHT liabilities on your estate, ensuring that more of your wealth is passed on to your beneficiaries without being subject to significant tax burdens.

    A trust is a legal arrangement that holds your insurance policy separately from your estate. By using trusts, benefits can be paid quickly and directly to your beneficiaries, avoiding delays and minimising Inheritance Tax implications.

    Yes, it’s essential to review your insurance coverage regularly, especially when major life events occur, such as getting married, having children, or buying a new home. Our team will help you adjust your coverage to reflect your changing needs and priorities.

    While buying insurance directly might seem cheaper initially, working with a financial advisor can provide significant long-term benefits. Our expertise ensures that you get the most appropriate coverage, potentially saving you money and providing tailored solutions.

    Missing premium payments can lead to the termination of your insurance coverage. It’s crucial to stay on top of payments to maintain continuous protection. We can help you set up payment reminders and discuss options if you encounter financial difficulties.

    Simply contact us to schedule a consultation. Our experienced advisors will conduct a thorough review of your financial situation, identify your protection needs, and recommend suitable insurance solutions to safeguard your financial future.

    Disclaimer: The information provided in our FAQ section is accurate as of the date of issue and is intended to offer general guidance on various financial topics. However, please note that financial regulations and legislation can change over time, potentially affecting the validity of the information. We recommend verifying the information with current sources and consulting our team of experienced IFAs or other qualified professionals before making any financial decisions based on the content of our FAQ section. Our firm is not liable for any actions taken as a result of relying on the information provided on our website

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