Financial protection is often overlooked and yet is an important part of providing financial security to you and your family in the event of something unexpected happening.


There are a number of questions that you might want to ask yourself:

  • What will happen to my family if I (or my partner) were to die unexpectedly? Would the surviving spouse and children have enough to live on? Would the mortgage be repaid?
  • What will happen to me and my family if I or my partner were to be diagnosed with a critical illness (e.g. cancer, heart attack etc)? Would a tax-free cash lump sum to help lessen the blow?
  • What would happen to me and my family if were to be unable to work for a prolonged period through illness or accident? Would my salary cease in such a situation?
  • Would I be able to afford private medical expenses if I were to need to go into hospital?
  • What would happen if I were made unemployed?


Kennedy Black can advise of all aspects of financial protection, including:

  • Group Protection as part of an employee benefit package (including Death-in-Service cover, Group Critical Illness, Group Income Protection and Group Private Medical Insurance)
  • Term Assurance
  • Critical Illness
  • Income Protection
  • Endowments
  • Whole of Life cover
  • Accident, Illness & Unemployment insurance
  • Private Medical Insurance (including comprehensive policies covering maternity costs)
  • Director/Partner Business Protection
  • Key Man Insurance
Furthermore, Kennedy Black can advise on using life assurance products to mitigate inheritance tax as part of estate planning.
Note that not all areas of Estate or Tax planning are regulated by the Financial Services Authority.

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