Certainty When You Need It Most
We’re passionate about finding the right protection solutions for clients who wish to protect their home and family and have a Plan B. Protection is often more affordable than you think and there are also accessible and comprehensive options for those who have, or have had, a health condition. While nobody likes to think about what will happen when they’re gone, we can also plan ahead to protect your wishes, so that those you love get the money you’ve left for them quickly and without paying excessive tax.
Why Choose Harwell Protection Group?
We are experts in finding the right protection solutions for our clients
As an independent intermediary, we have access to all insurers across the protection market, enabling us to act in your best interests now, and in the future. We ensure you receive comprehensive cover, as not all insurers' decisions or products are the same.
We can tailor protection products to your individual needs
The value of our advice is that we make sure you get the right solution and the right level of cover, and that you understand what you're buying. The better tailored the solution, the more we can work within your budget to balance value and price. Indeed, even some of the right cover can be better than the wrong cover, or no cover at all.
More affordable than you think
There are also accessible and comprehensive options for people who have suffered with a health condition such as cancer, diabetes or mental health or heart-related problems. Here at Harwell Protection Group, you can have confidence in the cover we recommend. We're real people and we’re passionate about what protection can do for you.
We do not charge you for our advice
We do not charge you a fee for our advice, as we receive commission from the insurance company once the policy has started.
Protect Your Home & Family
Protect Your Home
Mortgage repayments often represent a family’s largest financial commitment. Protection insurance can repay this debt if you or your partner become seriously ill or die and in doing so, provide vital peace of mind. Without this cover, your family might have to sell their home. Please consider this:
How would you and your family keep up with mortgage repayments if you became seriously ill or suffered an early death?
How would your family look after you if you became seriously ill and how would they pay for any required medical treatment and adjustments to your home?
How would you cope financially if your partner became seriously ill or suffered an early death?
While you may have some life cover through your employer, it’s important to remember that if you change jobs, this benefit can be lost and obtaining alternative cover later in life will probably be more expensive.
Contact us to talk about different ways to protect your home with Life Cover, Critical Illness Cover and Income Protection Cover.
Protect Your Family
You insure your car, so why wouldn’t you insure your income, which pays for all of your family’s needs from a roof over their heads to food to phones? We often think that our biggest asset is our home, but your ability to earn income is, at least, equally important. Please consider this:
Would you be financially resilient if you couldn’t work due to accident or sickness or suffered an early death?
Could you still protect your family’s financial future?
How long would your savings last?
Could you survive on state benefits?
How would you maintain your loans and credit card commitments and basic lifestyle?
How would you pay for your children’s school fees or higher education?
Could you afford to take time off work if your partner or child became seriously ill?
Get in touch today about different ways to protect your family’s financial future with Life Cover, Whole-of-Life Cover, Critical Illness Cover (with Children’s Cover), Terminal Illness Benefit, Family Income Benefit and Income Protection Cover.
Protect Your Wishes
A protection trust is a simple legal arrangement that allows you to gift your life policy to your loved ones without giving them full control over it. It doesn’t cost you anything and allows you to protect your wishes.
Please consider this:
What do I need to know if I am unmarried or not in a civil partnership?
What do I need to know if I am married or in a civil partnership? While transfers between spouses or civil partners are not usually subject to inheritance tax, what would happen if we both died at the same time in an accident?
What benefits under a protection policy should we retain and what should we gift or give away when setting up a protection trust? How might this decision impact on the amount of money passed on to our loved ones?
Protect Your Wishes - You specify who your beneficiaries are, and who you trust to act on your wishes. This can be really important if you're unmarried or not in a registered civil partnership, as without a trust, the money forms part of your estate (how much all your assets are worth) and may not automatically go to who you want. It's also important when there are children involved, as it can help to ensure they receive some financial support, but do not get full access to the funds. During your life, you will be one of the trustees, so you can work with the other trustees to maintain an element of control. You can also provide a ‘Letter of Wishes’. This acts as guidance for the trustees, setting out what you want to happen and this can be reviewed at regular intervals and the beneficiaries changed or added where appropriate.
Faster payment of the money - Using a trust should help ensure that the money paid out from the insurer can be paid to the trustees and then to the beneficiaries far quicker. This should avoid the money being held up in the estate waiting for lengthy legal processes, such as gaining a ‘grant of probate’ if you left a will or ‘letters of administration’ if there’s no will.
Reduce Inheritance Tax - When a life policy is not held in trust, it will normally be considered part of your estate, meaning that it can be subject to inheritance tax (40% of any part of your estate over the current nil rate band of £325,000). Using a trust to gift the policy benefits to your beneficiaries can mean that the money paid out by the insurer will not be counted as part of your estate, increasing the amount of money passed on to your loved ones.
How do trusts work? - Setting up a trust means that you (the settlor) give your policy to the trustees who then legally own and look after it for the benefit of your beneficiaries. You will still be responsible for paying the insurance premiums, but the trustees will be responsible for keeping the trust deed and any other documents safe. They make any claim on your policy and ensure that the money goes to your beneficiaries as you intended. Depending on the type of trust you set up, it can provide flexibility to change who will benefit and when, in line with your changing circumstances. Contact us to talk about different ways to protect your wishes.
Enquiries
01444 719040
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Certainty When You Need It Most
Harwell Protection Group Limited is an appointed representative of Harwell Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority. Harwell Finance Group Limited is entered on the Financial Services Register (www.fca.org.uk/register) under 846842.
Registered in England and Wales under reference: 12796652
Registered Address: Oathall House, 68-70 Oathall Road, Haywards Heath, West Sussex, RH16 3EN
The guidance and/or advice contained within this website are subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Complaints
If you wish to register a complaint about our services, please contact: The Complaint Officer, Harwell Finance Group Limited, Oathall House, 68-70 Oathall Road, Haywards Heath, West Sussex, RH16 3EN or telephone: 01444 719040 or where possible email info@harwellprotectiongroup.co.uk where we will try to resolve your concern as soon as we can.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot resolve your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service or by contacting them on 0800 023 4567.
We will use your name, email address and contact number (personal information) to contact you about the services you have requested or respond to any enquiry you have submitted which will require us to share your personal information with our Principal, Harwell Finance Group Limited. Please see the Privacy Policy for further information on how your information is used.