Protection planning

Here at Dunhams Financial Planning, our completely holistic approach looks at every single aspect of your finances. We do more than simply manage your business finances to ensure that everything runs as smoothly and as tax-efficiently as possible.

We also look at the bigger picture and see how your business finances impact on your personal financial matters. We then go a step further by looking at the life stages which we all go through, and how our joined-up management of your total family finances can help you through these life changes. This ensures that there is less stress and hassle for you now, and less for those you leave behind.

Protecting what’s important to you

We know that no two individuals are the same and that everyone’s protection needs are unique. Yet we often find that new clients have been let down in the past because insufficient care and attention was given to their particular protection needs.

For most people, protecting their immediate family is clearly of crucial and fundamental importance. But in most cases, your actual protection needs go far beyond simply having sufficient life insurance to provide a substantial financial pay-out should the worst happen.

So first of all, we set about discovering what your actual protection needs are. Our way of advising clients in this vital area is a million miles away from the typical tick box approach.

Rather than go through a checklist of all of the different protection products available, we put you at the centre of everything. We invest the time to get to know you, your business, your family and your unique financial circumstances before providing you with a bespoke, personalised solution which meets your actual protection and assurance needs.

All the protection products you need

All of these protection solutions and more are available either directly from or can be sourced via Dunhams:

Personal

• Life assurance for you, your partner and your family
• Income protection
• Critical illness cover
• Private medical cover
• Mortgage protection
• Motor, home and general insurance
• Loan protection
• Insurance for Inheritance Tax liability

Estate and wealth planning

• Having an appropriate Will in place
• Lasting power of attorney
• Insuring your Inheritance Tax
• Up-to-date nomination of wishes for your pension fund

Business

• Group income protection
• Private health and critical illness cover
• Group death in service
• Business loans
• Business shareholder protection
• Key person insurance
• Directors loan account insurance