Protection

How to Find out More

Should you wish to discuss your Protection Requirements please Contact Us for helpful information and advice.

Just complete the short form which will enable us to contact you by a method, and at a time most convenient to you.

Contact Us For...
Knowledgeable Professional Advice

0117 923 2320

How to Find out More

Should you wish to discuss your Protection Requirements please Contact Us for helpful information and advice.

Just complete the short form which will enable us to contact you by a method, and at a time most convenient to you.

WHY CRYSTAL WEALTH MANAGEMENT?

We will always review any existing arrangements for their continued suitability.

After working with you to identify your requirements we will make a recommendation for the most suitable solution(s) selected from the whole of the protection market.

We can ensure that the benefit is tailored to your current specific needs, and reappraised at regular intervals.

PERSONAL PROTECTION

LIFE INSURANCE
Life Insurance pays out when somebody dies. None of us like to think about our own death or that of a loved one, however if provisions haven't been made, how would your dependants cope financially? They may be left to pay off debts or other financial commitments, or perhaps their standard of living would suffer because of a loss of income. Could your dependents meet the normal cost of daily living if the worst happened?

Don’t leave it too late to put arrangements in place – this can’t be done after the event.


INCOME PROTECTION (Permanent Health Insurance)
Income Protection pays out a tax free income if you are unable to work and earn for an extended period of time as the result of a long term illness, disability or accident. We tend to take it for granted that we’ll always be able to work, but imagine what life would be like if we couldn’t. Could you support yourself or family without an income? You may be able to live on your savings for a while but a long period off work could seriously affect your future plans.

Ensure that you will have sufficient income - don’t assume the state will provide!


CRITICAL ILLNESS COVER
Critical Illness pays out on the diagnosis and survival of a life threatening condition such as Cancer, Heart Attack and Stroke. Serious illness can strike without warning and it could have a devastating effect on your finances. Money from the plan could be used to repay your mortgage, subsidise income, fund help and support, this gives you time to concentrate on your recovery instead of worrying about your finances.

You may recover from a critical illness but your finances may not.


PRIVATE MEDICAL INSURANCE (PMI)
Private Medical Insurance offers a prompt alternative to potentially long NHS waiting lists due to an increasing demand on it’s resources - these days it is unlikely that the NHS can provide treatment as quickly as you would like if you or a member of your family needs medical attention.

Prompt treatment may preclude loss or reduction in income over an extended period and will enable you to resume a normal lifestyle at the earliest opportunity.

You can’t always prevent these things happening but you can do something about how they affect your lifestyle.

BUSINESS PROTECTION

SHAREHOLDER & PARTNERSHIP PROTECTION
Shareholder and Partnership protection can provide the means to ensure that a firm can continue to operate in the hands of the remaining shareholder(s)/partner(s), in the event of death or serious illness of a shareholder or partner. Additionally funds will be available to recompense the family of the deceased or ill shareholder/partner for their share of the business. 

Ensure that you make plans for the continuation of your business before the decisions are out of your hands.


LIABILITY PROTECTION (Loans & Borrowings)
Liability protection ensures that in the event of death and/or serious illness your outstanding borrowings are cleared. Lenders, who are quite often the companies bankers, can become very nervous when someone in the firm whom is significant to it’s continued success is out of the picture due to death or serious illness.

Don’t let demands to repay liabilities place a strain on the business at an already difficult time.


KEY PERSON PROTECTION
Key Person Protection provides a cash injection into your business should profit be threatened by the death and/or serious illness of a vital individual. Funds can be used to assist in the cost of recruiting and training a replacement or simply to cover a reduction in turnover.

Insure the asset that is most valuable to the profitability of your firm.