Our Services >Private Clients >Protection

Protecting you and your family's financial future:

from financial hardship in the event of death or illness is the very cornerstone of financial planning.

There are a variety of different products on the market, for example, plans specifically designed to repay a mortgage, to replace an income or to provide a lump sum on diagnosis of critical illness.

Would your family be able to stay in their home ifyou could no longer meet the mortgage payments?

Would you or your family be able to meet future household bills?

Would your childrens university plans be put at risk if you were unable to work and contribute towards their fees?

Would you be able to make any necessary alterations to your home if you suffered acritical illness?

The majority of people that I meet for the first time admit that they
are not adequately protected should they lose the main income.

If you are one of these people, you could beleaving your family a legacy of financial hardship.

There are many ways you can prepare for the future,but thinking 'it'll never happen to me', isn't one of them.

Statistics show that you are 4 times more likely to suffer a critical illness such as cancer, or a heart attack, than you are dying.

We can't prevent the unexpected from happening to you, but we can help to make sure that your family are able to survive it.

We can help you decide which is the most appropriate product, determine appropriate levels of cover and assist you in selecting the most competitive companies providing the cover you require.

 
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Services Authority does not regulate taxation advice, will writing, debt consolidation, business risk and some forms of savings and mortgages.

Oyster Independent Financial Advisers Limited's registered address is: Media House 63 Wostenholm Road Nether Edge Sheffield S7 1LE. Registered in England: 583115

Oyster Independent Financial Advisers Limited is authorised and regulated by the The Financial Services Authority. The Financial Services Authority does not regulate taxation and trust advice and personal finance.

Oyster Independent Financial Advisers Limited is entered in the Financial Services Authority register and the registration number is 453876. www.fsa.gov.uk/register

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for Mortgage advice, the precise amount will depend upon your circumstances but we charge a maximum fee of £395, more typically £195 on top of any commission we may receive.

The tax relief's referred to throughout this Internet site are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer.