Personal Protection

Personal protection insurance should reflect individual circumstances. Establishing appropriate arrangements requires a clear understanding of personal priorities, financial commitments and longer-term objectives.

John Lamb Hill Oldridge advises on the structure and placement of personal protection insurance, helping ensure that families, estates and financial arrangements are supported should the unexpected occur.

Critical illness cover can provide a lump sum on diagnosis, supporting a family’s financial position at a difficult time. In addition, family protection arrangements can provide ongoing liquidity for the family, helping to maintain financial stability and continuity over the longer term.

Advice focuses on selecting solutions that are appropriate, proportionate and aligned with wider planning objectives. Where relevant, this includes consideration of how benefits are paid and structured, including the use of trusts, ensuring arrangements integrate effectively within the broader planning framework.