Financial Protection for families, individuals, businesses

Financial Protection

Life Assurance

In an age when we are expected to take care of our own needs, life assurance is a must. Either standalone life insurance or also including critical illness cover, life insurance is a solution to many situations.

Life insurance cover protects your children/spouse by providing an income, clearing your debts and mortgage, and providing money for future needs such as higher education.

Business and Corporate Protection

Life Assurance is also commonly used to protect the equity value a director or partner builds within their business. This is called Shareholder Protection or Partnership Protection.

Key Man Insurance is similar except that the pay-out goes to the firm, to protect the firm’s interest in the event of the death of a key employee or director.

Critical Illness Insurance

As the name implies, this insurance pays out should you suffer a critical illness. Young people are three times more likely to suffer a critical illness than they are to die before they reach 65 years of age, according to the giant Continental insurer Swiss Re. These odds are much more in our favour than the National Lottery!

The definitions of a critical illness policy are quite wide. The most common are heart attacks, strokes, and cancers. To get the best critical illness cover for you, speak with our advisers.

As with Life Assurance, pay-outs can be a lump sum or regular income.

Income Protection

This immensely valuable type of insurance cover is less well known than life assurance or critical illness cover.

Should you be unable to work through illness or accident, income protection can provide you with an income, after an agreed deferred period. This income will normally be paid until you recover, retire or die, whichever comes first.

Income Protection can be arranged for groups of employees. Also, executives can be covered through personalised executive income protection.

To speak to one of our advisers about your particular needs please complete the enquiry form on this page. We will be in touch quickly.

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What our clients are saying about us

Excellent service from Jon Neale and True Bearing Chartered, people who really do know what they are doing . He explained everything about my pensions clearly and precisely and has put them into a fund where I am secure in the knowledge that I will have an income from them for my retirement. Perfect five star service from a company I would happily recommend to anyone

Darran Wrigley, Manchester

I have known Greg for several years, as he used to be my mother’s adviser. He found me a better deal on my mortgage where I have reduced my monthly outgoings.  He was also able to find a more suitable and less costly life and critical illness insurance policy.  The information that he has provided has always been very helpful and I would recommend him to anyone.

Christine Champan, Cumbria

Because Les provides comprehensive and sound financial advice to me personally and to my family, I have no hesitation in recommending him when our clients ask us about pensions or investments.  Les’s friendly and approachable manner displays a wide knowledge of financial solutions, and he always explains in detail the options given, so that an educated decision can be made.

Josie Smith, Accounts Matters Ltd – Lancaster

We have dealt with David Oversby for the majority of our financial affairs for the last 10 years. We have found him to be professional and attentive at all times offering astute and accurate advice.

Jo Blakeway, Radio Presenter, Century FM

We have used Rob for advice in a number of differen areas, especially in relation to our pension planning and insurance policies, and he has always provided us with a clear solution. We have happily recommended him to many of our friends and family and will continue to do so. He is a pleasure to deal with.

G McDonald, Senior Project Manager, EC Harris – Leeds

For the first time, I can now look to a planned retirement in the safe knowledge that Julie has my needs in mind and can advise me instantly on how to deal with any unplanned occurrences. I have in turn recommended Julie to my family, friends and work colleagues as she shows honesty, reliability and a great determination to get the best for her clients.

Tony Carden, Commercial Manager – Liverpool

Mark produced a report addressing my concerns about Inheritance Tax. He recommended the use of an offshore investment and a protection plan which would have an immediate benefit to my financial planning.As a result of his advice, I estimate that my estate will save over £250,000 in Inheritance Tax, although Mark contacts me regularly to ensure that my planning is effective. I would recommend Mark and True Bearing to anyone wishing to protect their assets and pass on wealth to their families.

Mrs H, JP – Lytham

Michael has been my IFA for some years, managing my SIPP and providing ongoing general investment advice.  Having used other companies previously, he came as a breath of fresh air.  His client care and attention to detail is absolutely superb, and following his advice at our regular reviews during each year has stood me in good stead as regards the performance of my SIPP, which has consistently been most satisfactory, despite the difficult financial times over the last couple or so years.

John Wane Esq, McKendrick and Wane Ltd – Preston

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