Family Protection

Protecting your family should be your number one financial objective.

Providing for those closest to us in the event of death or serious illness is not a subject to be taken lightly.

At TFMG we review your existing cover including that from your employer and possibly spouse’s employer and then, if required, make recommendations for the most suitable level of cover. We will never recommend more expensive policies than you need and if you are on one of our service programmes we will keep the level of cover under review to ensure it remains appropriate for your needs.

Using our whole of market research tool we seek to give you the most suitable product for your circumstances, this includes assessing premiums together with a provider’s financial strength, claims history, definitions and terms and conditions.

What makes us different is we will use menu based products whereby you only have one policy with a provider but within that policy are a number of different protection plans giving you a suite of protection to make sure that you are well covered but without having excessively large premiums. This approach gives you peace of mind and simplification.

Importantly, where appropriate we will always write policies under trust. By writing a policy under trust you can be confident the proceeds will be free of inheritance tax and your beneficiaries will not have to wait unnecessarily in order to receive the payments. Writing a policy under trust can make the difference between your family being financially comfortable or financially distraught.

To discuss your circumstances in more detail or for more information on how our service can help call our advisers now.