We believe that having the correct financial protection in place can be the difference between an already terrible situation and having even worse lasting financial consequences. We strongly believe Protection should be the foundation of everyone’s financial plan.
We work with you to design a personally tailored solution that will address difficult questions such as:
How will I pay the mortgage if I become critically ill? – With UK statistics such as the fact that 1 in 2 people born after 1960 will develop a form of Cancer in their life time, and 530 people being admitted to hospital from a heart attack every day, this is certainly something that we should all consider. Critical illness insurance could pay you a tax free lump sum on diagnosis. This allows you to remain focused on getting better and not worry about keeping the roof over your head!
How would my family cope if I were to die? – Nobody likes to think about the reality that a loved one may die. Although money cannot replace a loved one, life insurance can ease some of the financial burdens. When a family suffers a tragic situation the last thing that they need is money worries as well.
How could I support my family if I was unable to work due to sickness or injury? – For most people your ability to earn is your greatest asset, and all other future plans rely on this. Nearly everybody has the odd day off work from time to time, but what if you were unable to work for the longer term? This could be a large financial strain even with limited employers sick pay. Income protection is designed to provide an income if you are unable to work due to sickness or injury. There are various types to suit all situations and budgets but it has the potential to provide you an income all the way until retirement.
Over the years, we have worked with many private and corporate clients to get them the correct protection in place and which is unique to their individual circumstances. Every one of our client’s circumstances is different which is why we offer a personalised service. As a part of this service we offer an ongoing review to ensure that remains appropriate to your current circumstance.
Please contact us for further information on how we can help you.
Cancer research UK
British heart foundation
We have trusted Middlemiss and Associates with our finances for around 25 years and have always been delighted with the service the team provides.
Thanks Mhairi for all your help. You were invaluable in knowing which funders to approach, given I had recently become self-employed. By using you, I definitely saved myself a lot of time and effort.
Andrew remains the same unflappable fountain of knowledge who has provided expert, helpful advice to me and my family across a wide range of issues.