A strong financial plan doesn’t just focus on growth – it also protects you, your family, and your future from life’s unexpected events. Protection planning helps ensure that if something unforeseen happens, you have the right financial support in place when it matters most.
At Active Chartered Financial Planners, we offer clear, independent advice across the full range of protection options. Our aim is simple: to give you confidence that you, and the people you care about, are financially secure – whatever life brings.
Protection planning involves reviewing the financial risks you may face, such as illness, accident, loss of income, or death – and recommending suitable insurance policies to help reduce the impact on you or your loved ones.
It ensures your financial plans remain on track, even when life takes an unexpected turn.
How we help
Personalised advice based on your circumstances
Everyone’s situation is different. We take time to understand your responsibilities, lifestyle, future plans, and any existing cover you may already have.
Our service includes:
- Assessing your needs and financial priorities
We explore what you want to protect – your income, your family, your home, or your business – and identify the potential gaps.
- Explaining your options clearly
Some protection products can seem complicated. We explain how each type of cover works, what it can and cannot provide, and how it may support your wider financial plan.
- Independent recommendations
As an independent Chartered firm, we look at the whole market to find policies that are appropriate for you. We only recommend cover once we fully understand your needs.
- Ensuring your cover stays relevant
Life changes – so your protection plan needs to change with it. We review your policies regularly to ensure they continue to meet your requirements.
Types of protection we advise on
Life Insurance
Provides a financial safety net for the people you care about. This may help with mortgage costs, living expenses, or future plans during a difficult time.
Critical Illness Cover
Pays a lump sum if you are diagnosed with a specified serious illness. It can help with treatment costs, lifestyle changes, or giving you some breathing space while you focus on recovery.
Income Protection
Offers regular payments if you are unable to work due to illness or injury. This can help you maintain essential living costs and keep your long-term goals on track.
Family and Mortgage Protection
Ensures financial commitments, such as your mortgage or family expenses can continue to be met if your circumstances change.
Business Protection Insurance
For business owners, we can provide advice on key person cover, shareholder protection, and relevant life policies to help safeguard the future of your business.
We always discuss the benefits, risks, limitations, and costs of each option to help you make well-informed decisions.
Who we work with
We support clients across Teesside, County Durham North Yorkshire and the wider North East region, including:
- Families wanting financial security
- Individuals protecting their income or mortgage
- High-net-worth clients with more complex needs
- Business owners safeguarding their company
- Retirees reviewing legacy and estate planning
- People with existing policies they would like to review
Our advice is always tailored to your own goals and financial position.
Why protection matters
Protection gives you, and those around you, reassurance that if life takes an unexpected turn, your financial plans do not have to unravel. It can:
- Protect your income
- Cover mortgage or rent payments
- Provide financial security for loved ones
- Reduce pressure during illness or recovery
- Support long-term goals such as education or retirement
- Safeguard your business
No one can predict the future, but having the right cover in place can help you stay in control.
Why choose Active Financial Planners?
Chartered expertise
Our Chartered status reflects our commitment to the highest professional standards.
Independent and unbiased
We have access to policies from across the whole market, ensuring recommendations are based solely on your needs.
Clear, transparent advice
We explain everything in straightforward, calm language to help you make confident decisions.
Long-term support
We review your cover regularly so it remains suitable as life evolves.
Protection Planning FAQs
How much cover do I need?
It depends on your income, expenses, debts, dependants, and future goals. We help you assess this clearly and realistically.
Is protection expensive?
Costs vary based on your age, health, and the level of cover. We help you understand the options so you can choose a solution that fits your budget, however cover can start from as little as £5 per month.
Do I need protection if I already have workplace benefits?
Possibly. Workplace benefits can be helpful, but they may not cover everything you need. We review what you already have and highlight any gaps.
What if my circumstances change?
Your cover may need adjusting. We provide ongoing reviews to keep everything aligned with your situation.
Speak to a financial planner
If you would like to review your existing cover or explore your protection options, we are here to help you plan with confidence.
Protection policies have no cash value and will not pay out if you reach the end of the policy without making a valid claim
Get in touch
If you would like to discuss your financial plans or find out how Active Chartered Financial Planners can help you, contact us today.
Call: 01642 765957
Email info@activefp.co.uk
OR visit the website
And for regular updates, follow us or Facebook, LinkedIn Instagram and YouTube
