Welcome to the Mike Robertson Associates Ltd Life Centred Planning Blog. Here we share tips on how you might be able to make changes to your lifestyle and making plans for the future.

Family Financial Protection


Family Financial Protection

With an abundance of insurance choices, how will you make the right decisions?

With so many different protection options available, making the right decision to protect your personal and financial situation can seem overwhelming. There is a plethora of protection solutions which could help ensure that a lump sum, or a replacement income, becomes available to you in the event that it is needed to help protect your family.

We can make sure that you are able to take the right decisions to deliver peace of mind for you and your family in the event of death, if you are too ill to work, require care or if you are diagnosed with a critical illness.

Protecting Your Family's Financial Plan

Whole Life Insurance

Provides a guaranteed lump sum paid to your estate in the event of your premature death. To avoid inheritance tax and probate delays, policies should be set up under an appropriate trust.

Level Term Insurance

Provides a lump sum for your beneficiaries in the event of your death over a specified term. You choose the sum insured and the policy term, which is guaranteed at the outset and remains unchanged throughout the term.

Family Income Benefit Insurance

Provides a replacement income for beneficiaries on your premature death. In the event of a claim, income can be paid monthly, quarterly or annually, and under current rules the income is tax-free.

Decreasing Term Insurance

Provides a lump sum in the event of your premature death to cover a reducing liability for a fixed period, such as a repayment mortgage.

Critical Illness Insurance

Provides a tax-free lump sum if you are diagnosed with suffering from one of a number of specified ‘critical’ illnesses  during the term. Some life assurance companies offer to cover you for both death and critical illness and will pay out the guaranteed benefit on the first event to occur.

Income Protection Insurance

Insurance that provides a percentage of your lost income caused by an illness, accident or disability. Rates vary according to the dangers associated with your occupation, age, state of health and gender. 

Long-Term Care Insurance

Insurance can be either immediate care provided when you actually need care, or pre-funded care provided in advance in case you need care in the future. All these protection options also apply to your spouse and to those who are in registered civil partnerships.


Mike Robertson Associates is a Life Centred Financial Planning firm.  We provide lifelong financial planning.  Insurance products and protection solutions are only a single facet of our standard service.  We would never try to sell you any financial products that do fit completely into your life centered financial plan.  We must understand your entire financial position, financial goals and life dreams before we ever consider recommending anything to you.

Specialising in Life Centred Financial Planning, MRA is unlike other traditional independent financial advisors – we are so much more. We help individuals, businesses and families achieve the best quality of life they can with the resources they have.  Life Centred Planning is about the person, not the product and our Life Centred Financial Planners look at how your money can be arranged so that it’s serving your aims and dreams in this lifetime.

For your complimentary, no obligation, 30 minute consultation, please call 01424 777156 to schedule your meeting today.

Related Blogs:

Why Financial Protection is Crucial for New Parents

How to Prepare for the Cost of a Family

Are You Insured for the Right Things?

Critical Illness: It Could Happen to You

Related Financial Services Page: 

Protection Planning


Download Our Guide to Life Insurance Protection

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This is for your general information and use only and is not intended to address your particular requirements. It should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice.  No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts.

The information given and opinions expressed are subject to change and should not be interpreted as investment advice.

Past performance is no guide of future performance.

The value of your investments can go down as well as up, so you could get back less than you invested.

Mike Robertson Associates Limited is an appointed representative of Lighthouse Advisory Services Limited which is part of the Quilter Group of Companies and which is authorised and regulated by the Financial Conduct Authority. See here for full details.

Based in East Sussex, we service clients across the UK, London, the South East, Sussex and Kent, including smaller towns such as Ashford, Battle, Bexhill, Bodiam, Brighton & Hove, Cranbrook, Crowborough, Eastbourne, Hailsham, Hastings, Heathfield, Herstmonceux, Lewes, Mayfield, Newhaven, Rye, Seaford, Sevenoaks, Tenterden, Tonbridge and Tunbridge Wells.

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