Individual and Business

Financial Protection Advice

Our Services

The financial planners at True Bearing are knowledgeable about all aspects of protective financial services, and will help answer all of the questions you may have about the best ways of keeping your finances secure.

If you would like to know more about any of the following financial protection products, we can help you. Some examples are:

• Life assurance
• Critical illness insurance
• Business and corporate protection including key person cover
• Income protection
• Estate protection

You can also receive financial protection advice on various topics, including:

• Working out what kind of risks you should be protecting yourself against, and how to prioritise them
• Assessing the most suitable products and services from a wide range of providers, helping you select the option that gives you the greatest security
• Looking at how to structure your policies and terms to deliver the best possible value for your money
• Working with you in the long term to review your protection needs, ensuring that your coverage is updated to reflect your circumstances

Whether you are an individual looking to protect your family’s future or a business owner trying to safeguard your business, you will receive the very best advice from True Bearing, with a focus on delivering long-term security.

How True Bearing Can Help You

At True Bearing, our ethos is different from most other Independent Financial Advisory firms. We will always put you at the centre of what we do, building a lasting relationship with you to help you achieve lifelong financial security and stability.

As Chartered Financial Planners, we are ranked by the CII among the top 15% of Independent Financial Advisory firms by qualifications in the UK. Our highly trained local advisers can find you products and solutions that are not available directly to the general public, and will always treat you as an individual with your own personal goals and needs.

With more than 7,000 clients and a retention rate of over 99%, True Bearing can be your financial planning partner for years to come, working with you to keep your money safe and your future secure.

What level of financial protection do I need?

In order to determine what kind of financial protection you might need to safeguard your personal and business interests, it is worth asking yourself the following questions:

• How many of my family members are dependent on me financially?
• At what point can I expect my dependants to become financially self-sufficient?
• Are there fees that I am responsible for paying (such as school fees and nursing home fees) that would need to be covered if I was no longer able to pay them?
• Do I owe any debts (including mortgages and loan debts) that could not be covered by anyone else in my family?
• Do I have assets, income or investments that would be able to provide for my family if I was unable to work?
• Would my business be materially affected if I was unable to work for an extended period of time?
• Is my estate above the Nil Rate Band on death?

By carefully considering the answers to these questions and speaking to a qualified IFA, you should be able to form a clearer picture of the kind of financial protection you will need for maximum peace of mind.