Financial resiliance starts here.

Protect what matters.

Arm yourself with peace of mind.

Discover the Need Financial Planning difference – we’re not about a hard sale, but a sincere commitment to your family's financial stability and security. We’re dedicated to ensuring you fully understand what it means to be financially resilient and crafting a tailored plan to achieve just that.

We sincerely hope you never have to use it, but we believe in the importance and the peace of mind that comes from having protection in place. Our commitment goes far beyond the policies; it's about ensuring your loved ones are safeguarded and providing a reassuring safety net from the unpredictability of life.

Income Protection

Income protection safeguards your financial stability by providing a monthly payout if you're unable to work due to illness or injury. It offers a safety net, replacing a portion of your lost income until you recover or the policy term ends. This coverage ensures you can meet your financial obligations, such as bills and mortgage payments, during challenging times.

Life Insurance

Life insurance is a financial product that provides a lump sum payment to your beneficiaries upon your death. It offers peace of mind by ensuring that your loved ones are financially protected in the event of your passing. This payout, known as the death benefit, can be used to cover various expenses, such as funeral costs, outstanding debts, mortgage payments, and ongoing living expenses. Life insurance provides a valuable safety net, helping your family maintain their standard of living and financial security during a difficult time.

Mortgage Protection

Mortgage protection insurance, a form of life insurance, settles your outstanding mortgage if you're diagnosed with a terminal illness or pass away during the policy term. This ensures that your family can retain their home without the burden of mortgage payments, offering them peace of mind during a challenging time.

Family Income Benefit

Family income benefit is an insurance policy that provides your loved ones with a regular income in the event of your death. Instead of a lump sum payment, it offers a steady stream of payments over a specified period, helping to replace your lost income and maintain your family's financial security. This benefit ensures that your loved ones can continue to meet their day-to-day expenses and maintain their quality of life in your absence.

Critical Illness Cover

Critical illness cover is a type of insurance that provides a lump sum payment if you're diagnosed with a specified critical illness during the policy term. This lump sum can help replace your income if you need to take time off for treatment, help cover any medical expenses or help fund any necessary lifestyle changes that may arise due to your illness. It offers financial protection and peace of mind during a challenging time, allowing you to focus on your recovery without worrying about the financial impact of your illness.

Relevant Life Cover

Relevant life cover extends a tax-efficient life insurance option to self-employed individuals. It provides them with essential coverage for death, ensuring their loved ones receive a tax-free lump sum payout in the event of their passing. This coverage offers financial security and peace of mind to self-employed individuals and their families, serving as a valuable safeguard against unexpected circumstances.

Did you know?

When you take out a life cover policy, you might be getting more than just financial security. Many policies come with additional or optional benefits that provide extra support when you need it most. Here are some lesser-known perks you might not be aware of:

Mental Health Support: Access to counseling services and mental health resources to help you cope with stress, anxiety, and other mental health challenges.

24/7 Remote GP Access: Round-the-clock access to medical consultations with a general practitioner, allowing you to get medical advice and prescriptions without leaving home.

Fracture Cover: Financial assistance if you suffer a fracture, helping with the extra costs and injury can cause ,such as travel expenses, childcare and mobility equipment.

Children's Critical Illness Cover: Child critical illness coverage provides a lump sum payment to assist your family in the event of a serious diagnosis for any of your current or future children, offering crucial support during challenging times.

Second Medical Opinion: Access to expert opinions from specialists to confirm a diagnosis or explore alternative treatment options.Bereavement

Counselling: Support services for your family to help them cope with the emotional impact of your passing.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

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