Investments • Pensions • Mortgages • Protection
Investments • Pensions • Mortgages • Protection

Family Protection


Life Insurance
If you or your partner were to die, it may leave your family facing financial difficulties. Think about it for a minute. What would happen? No-one likes to talk about it but it's a reality that your family could have to face. With suitable life cover your family would receive a lump sum after the life assured dies. This could help to pay off your mortgage or other borrowings or can provide a lump sum to replace the lost household income. 


Critical Illness
If you were diagnosed with a critical illness what would happen? You may need to take time off work to recuperate or you may not be able to work again. How long would your income continue in these circumstances? Critical illness protection gives you a lump sum payment if you're diagnosed with one of a number of specified critical illnesses. The lump sum could be used to repay your mortgage or used to buy specialist medical care or used to replace lost income or a combination of all these. It is up to you what you use the funds for.


Income protection

Some employers will pay generous sick pay if you are unable to work for a year or two due to illness. Most don’t. Income protection can bridge the gap between what your employer will pay and what you will need to meet your monthly financial commitments. Income protection will ensure that if you are unable to work for some time your income doesn't stop. You may have an accident or miss work for several months (perhaps years) due to illness but if your income is protected, your plan will pay you a monthly income. Having suitable income protection in place means that you can concentrate on getting better without the stress of worrying about paying bills.

Howarth Financial can help with the following:

  • Mortgage Life Insurance (Mortgage Protection)
  • Level Term Life Assurance
  • Critical Illness Cover
  • Income Protection
  • Family Income Benefit
  • Suitable Trusts  
  • Calculating the amount of cover you already have in place
  • Calculating the level of cover you require

Please note that trusts are not regulated by the Financial Conduct Authority

Call us to discuss your requirements - 01273 700721

Contact Us

12 Highview Avenue South




01273 700721

We would welcome a discussion with you to find out if we are able to assist you with your investment, pension, retirement, protection or mortgage requirements. 


Contact us for a brief, informal chat to see if we are able to work with you.

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