Insurance & Protection

Life Cover 

Life cover is a crucial element of financial planning, designed to provide peace of mind and stability for your loved ones when they need it most. Our dedicated team offers expert guidance to help you choose the right level and type of life cover that fits your personal and financial circumstances, ensuring that your family is protected against financial hardship.

Tailored Coverage Plans

Choosing the right life cover is about understanding your family’s needs and the lifestyle you wish to secure for them after you are gone. Our specialists at Oakmere Consultancy work closely with you to assess your financial situation, including outstanding debts like mortgages and personal loans, as well as day-to-day living expenses and future needs such as your children’s education. This comprehensive evaluation allows us to tailor a life cover plan that provides adequate protection without overburdening you with unnecessary premiums. Whether you need a term life policy, which covers you for a specific period, or a whole life policy that offers lifelong coverage, we ensure that the solution fits your long-term financial strategy.

Financial Security and Peace of Mind

The primary purpose of life cover is to offer financial security to your loved ones in your absence. This can mean covering immediate expenses such as funeral costs and outstanding debts, as well as providing a financial cushion that can help maintain your family’s standard of living. Oakmere Consultancy helps you set up a policy that can offer either a lump sum payment or staggered payments to meet ongoing financial needs. Our goal is to configure a cover that ensures your family’s financial independence and peace of mind during what will undoubtedly be a challenging time.

Flexible and Adaptable Policies

As life changes, so might your insurance needs. Oakmere Consultancy provides flexible life cover policies that can adapt to your evolving circumstances. Whether it’s adjusting your cover following major life events like marriage, the birth of a child, or a significant change in your financial situation, we make it easy to update your policy. We also offer options for adding critical illness cover, which can pay out on the diagnosis of a specified critical condition, providing additional security when it is most needed.

Continuous Support and Expert Advice

Choosing life cover is just the beginning of your journey with us. Oakmere Consultancy is committed to providing ongoing support and advice throughout the duration of your policy. Our expert team is always available to answer questions, review your coverage, and make adjustments as necessary. We ensure you understand all aspects of your policy and are confident that you have made the best possible provision for your family’s future.

At Oakmere Consultancy, we believe that a good life cover policy not only provides financial assistance in the event of death but also offers peace of mind knowing that your loved ones will be cared for. Contact us today to discuss how we can help protect what matters most to you.

Critical Illness 

Understanding the financial impact of a severe illness is crucial in today’s world, where health uncertainties can arise unexpectedly. Critical illness cover is designed to alleviate these financial stresses by providing a lump sum payout if you are diagnosed with one of the specified serious conditions. At Oakmere Consultancy, we are dedicated to helping you choose the right critical illness cover that safeguards your financial stability and allows you to focus on recovery without the burden of economic concerns.

Comprehensive Protection

Critical illness cover is specifically tailored to help cushion you and your family against the financial impact of serious health issues such as cancer, heart attack, stroke, and many other conditions. Our approach at Oakmere Consultancy begins with a detailed assessment of your health risks and financial situation. We work with you to identify a policy that covers a broad range of illnesses and provides adequate compensation to cover significant expenses such as medical treatment, adaptations to your home, or even lost income during your recovery period. Ensuring that you have comprehensive protection is our top priority, so you can rest easy knowing you’re covered.

Financial Stability During Recovery

The financial relief provided by critical illness cover can be invaluable during a time of recovery. The lump sum received can be used to pay for private medical care, which might not be readily available through the NHS, ensuring faster and possibly more comfortable treatment options. Additionally, this payout can help compensate for any loss of income, allowing you to maintain your standard of living without dipping into savings or accruing debt. At Oakmere Consultancy, we ensure that the policies we recommend offer the flexibility to use the funds where they are most needed, giving you one less thing to worry about during challenging times.

Tailored and Flexible Coverage

We understand that everyone’s health and financial situations are unique. That’s why the policies we source are designed to be as flexible as possible, with the ability to adjust your level of cover, add or remove specific conditions, and change your policy terms as your life circumstances evolve. Whether you’re starting a family, buying a home, or changing careers, we can help adapt your critical illness cover to reflect these changes, ensuring that your policy always meets your current needs.

Expert Guidance and Ongoing Support

Selecting the right critical illness cover requires careful consideration and expert knowledge. Our team at Oakmere Consultancy provides not only the initial advice needed to choose your cover but also ongoing support throughout the life of your policy. We’re here to answer any questions you may have and to help reassess your coverage as your health and financial situations evolve. Our commitment to your well-being extends beyond the signing of a policy; we aim to provide peace of mind through continuous and comprehensive support.

At Oakmere Consultancy, we believe that having robust critical illness cover is essential for financial planning in today’s unpredictable health landscape. Let us help you secure a policy that provides protection and peace of mind, allowing you to focus fully on your recovery should the need arise. Contact us today to discuss how we can tailor a critical illness cover that suits your needs and budget.

Income Protection 

In today’s unpredictable economic climate, it’s crucial to safeguard your income against potential health setbacks. Income protection insurance is designed to provide a steady income if you’re unable to work due to illness or injury. At Oakmere Consultancy we are dedicated to sourcing bespoke income protection plans that ensure you can continue to meet your financial commitments without worry, maintaining your standard of living even during challenging times.

Financial Security

Income protection is an essential safety net, offering you a replacement income when health issues prevent you from working. This type of cover is particularly valuable if you have financial dependents or significant monthly financial commitments, such as mortgage or rent payments. Our experts guide you through selecting the appropriate level of cover, typically between 50% to 70% of your gross salary, ensuring it aligns with your needs and lifestyle. Our aim is to tailor a plan that covers your essential expenses, allowing you to focus on your recovery without financial stress.

Profession-Specific Advice

The necessity for income protection can vary significantly depending on your profession and workplace environment. Certain occupations may expose you to higher physical risks, while others might contribute to stress-related conditions. Understanding these nuances, Oakmere Consultancy offers advice tailored to your specific job role and industry. We ensure that the policy options we present provide suitable coverage, considering factors such as job stability, risk of injury, and the typical duration of work absences in your field.

Adaptable Coverage Options

Flexibility is key in income protection insurance. We help you select the deferment period—the time between when you stop working and when your policy payouts begin. This can be adjusted to align with your circumstances, whether you need immediate support after your employer’s sick pay ends, or can afford to wait longer due to personal savings or other income sources. We also provide options for both short-term and long-term coverage, enabling you to decide the duration of payments based on your health prognosis and career plans.

Continuous Support and Expertise

At Oakmere Consultancy, we do more than just arrange your income protection insurance; we offer ongoing support and expert advice throughout the duration of your policy. Whether your circumstances change due to a new job, a change in salary, or you need assistance during a claim, our team is here to help. We ensure that you fully understand all aspects of your policy and remain confident in the protection it provides, offering regular reviews and updates as necessary.

Oakmere Consultancy understands that robust income protection is a cornerstone of effective financial planning. It secures your income against unforeseen health issues and provides peace of mind, knowing your lifestyle and your family’s well-being are protected. Let us help you explore and secure a tailored income protection plan that offers stability and reassurance, no matter what life throws your way. Contact us today to find out how we can support your needs with a comprehensive income protection solution.

Family Income Benefit 

In the landscape of financial security planning, Family Income Benefit (FIB) stands out as a particularly effective insurance option for providing ongoing support to your loved ones in the event of your untimely death. At Oakmere Consultancy we specialise in finding and arranging Family Income Benefit policies that offer a steady, tax-free income to your dependents, ensuring they continue to maintain their standard of living without financial disruption.

Securing Future Stability

Family Income Benefit is designed to alleviate the financial impact of a loss by providing your beneficiaries with a regular income, rather than a one-off lump sum. This makes it an ideal solution for families with young children or other dependents who rely on your income for daily living expenses. Our role at Oakmere Consultancy is to assess your family’s needs and help you choose a policy that will deliver sufficient financial support for a set term—usually until your children reach adulthood or another significant milestone.

Tailored to Your Needs

Understanding that each family’s needs are unique, we provide personalised service to ensure that the Family Income Benefit policy you select fits perfectly with your specific circumstances. We consider factors such as your current income, essential living costs, and any long-term financial goals you might have for your family. Our expertise allows us to recommend policies that not only meet your immediate requirements but also provide flexibility to adjust to future changes in your family’s financial situation.

Flexible and Adaptable

The flexibility of Family Income Benefit policies is one of their key advantages. At Oakmere Consultancy, we can help you determine the appropriate duration and amount of cover, ensuring that the benefits from the policy continue for as long as your family might need them. Whether it’s covering the cost of higher education, or simply ensuring everyday expenses are met, we ensure that the policy is adaptable to meet the evolving needs of your dependents over time.

Ongoing Expert Support

Choosing the right Family Income Benefit policy is just the beginning of your journey with us. Oakmere Consultancy is committed to providing ongoing support and advice throughout the lifespan of your policy. Whether you need to review your cover following significant life changes, such as a new child joining the family, or seek advice on additional coverages that might complement your Family Income Benefit, our team is always ready to assist. We ensure that you and your family feel secure, supported, and informed every step of the way.

Oakmere Consultancy recognises the importance of providing for your family’s future, especially in your absence. With Family Income Benefit, you can rest assured that your loved ones will continue to receive financial support, preserving their lifestyle and providing for their needs without financial hardship. Let us help you explore and arrange a Family Income Benefit plan that gives you peace of mind and secures your family’s financial future. Contact us today to learn how we can tailor a solution that perfectly matches your needs and circumstances.