"An excellent service all round. We mainly dealt with Charlie and had help from Zoey too. Great knowledge and advice regarding pensions. Cannot fault it at all. If was possibly to give 11 out of 10 we would. Would highly recommend."
Protection insurance: Securing your assets and income
Whether looking at life, critical illness or income protection insurance, we appreciate the long-term practical and mental benefits of this financial safety net. We have seen too many scenarios where insufficient cover has meant that a short-term reduction in income has had a long-term impact on finances.
The benefits are obvious as an employee or self-employed; protecting your income and your assets allows you to focus more on recovery and getting back to work.
Our protection insurance advice provides peace of mind pre and post-retirement, allowing you to enjoy that retirement you have been saving for all of your life.
The Benefits of Protection Advice
We are authorised and regulated by the Financial Conduct Authority to provide advice on a full range of financial planning.
Secure income, peace of mind
Helping you look to the future - making sure that a short-term reduction in your income doesn’t have a long-term impact on your finances.
Financial support for loved ones
Protect your loved ones as much as possible; in the event of your death, leaving a healthy financial safety net.
Concentrate on your recovery
Income protection and critical illness cover allow you to concentrate on your recovery while still paying everyday bills.
Life insurance: A most welcome safety net
As we grow older, our attitude towards life insurance changes, often considering ourselves invincible in the early days, focus tends to switch to protecting loved ones.
There are two main challenges, overinsurance and underinsurance, situations we can help you avoid with our long-term advice and guidance.
We can take the lead with what is a difficult subject to discuss across the breakfast table!
Why Informed Financial Planning?
Bespoke insurance protection
We have helped to protect the assets and income for thousands of clients, with expert advice on insurance protection, an integral part of financial planning.
Personable and approachable
Communication is critical with long-term financial planning, our team are personable, approachable and available to answer any questions you may have.
Independent insurance advice
As independent chartered financial planners, not tied to one provider, we will search the market for the best insurance solutions. It's important to review all of the options.
Is life insurance treated as a benefit in kind?
No – Group Life Insurance (Death in Service cover) offered by your employer is usually permitted as a business expense for an employer. Employees usually don’t have to pay any tax on the insurance premiums either. This is because the Group Life cover is HMRC-approved and isn’t considered a P11D benefit.
Does life insurance protection cover critical illness too?
A stand-alone life insurance plan will not pay out in the event of a critical illness. However, it is possible to take out a life and critical illness protection plan which we pay out a lump sum on death or critical illness. The lump sum will be paid free of income tax.
Are income protection payments tax deductible?
This depends on whether the policy is a personal income protection plan, paid by yourself, or an income protection plan, paid by your employer.
A personal income protection plan will pay out any proceeds free of income tax. Whereas proceeds paid out from group income protection plan will be subject to income tax.
Informed Service Pricing
Our fee structure is simple and transparent, with no surprise fees later down the line.Our Pricing
"The whole process was very easy, it wasn't made complicated and every single step was explained to me. A representative from Informed Financial Planning, came to my house, I didn't feel pressured and I could back out at any time."
"This is the most professional company I have ever dealt with in all of my 59 years they took the time to find out what my needs where & fulfilled all my wishes if I could give 10 stars I would."