Protection planning

Protection is about more than simply buying a life insurance policy – it’s about optimising the effectiveness of your wealth for the next generation.

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Protection planning

We can help you to assess your individual situation and requirements, before devising a plan to ensure you have the peace of mind you need.

Good health is arguably our most precious asset, and with it comes the ability to earn an income, but it is not something we can take for granted.


Protect what’s important

Without proper protection in place, you may not be able to guarantee that your wealth is passed to those you intended, in the way you intended. But there are strategies you can employ to ensure your loved ones benefit from your wealth.

More than ever it’s vital to consider the whole picture. How does Capital Gains Tax affect you? What would happen in the event of illness? Are you prepared should you suffer a loss of income?

Inheritance Tax Calculator

Have you ever tried to estimate how much Inheritance Tax (IHT) may be due on your estate? Use our calculator to find out.
  • Life assurance provides a lump sum on death and comes in two basic forms: term assurance and whole of life assurance.

  • Your earning potential is likely to be your family’s most valuable asset. Income protection plans are designed to provide you with an income should you be unable to work for a prolonged period due to illness or injury.

  • If you are diagnosed with an illness such as cancer or suffer a heart attack, you and your family may find yourselves financially worse off. This is because your expenses are likely to be the same, or even higher, but you may be unable to work or even decide you don’t want to work any longer.

  • PMI is designed to ensure that if you need medical treatment, you won’t need to worry about the cost; neither will you have to worry about NHS waiting times, staff shortages or overcrowding.

  • It’s vital to understand how making a gift of money or assets can help to create a valuable exemption from Inheritance Tax. We will assess your circumstances and help maximise your gifting allowances.

    The levels and bases of taxation and reliefs from taxation can change at any time.  Tax relief is dependent on individual circumstances.

  • *A trust places the right money, in the right hands, at the right time. Trusts cannot be ignored as they are a fundamental part of estate planning. They can help in the process of reducing or mitigating Inheritance Tax (IHT) but are also commonly used in helping provide for any liability.


    Trusts are not regulated by the Financial Conduct Authority

  • When it comes to planning for later life, there is so much to consider. We can assist with Inheritance Tax planning, making Gifts, and securing an income for your long-term health care.


    The levels and bases of taxation and reliefs from taxation can change at any time.  Tax relief is dependent on individual circumstances

  • **Let us help you put everything in place to ensure that your Will and an enduring Power of Attorney are in order. These are crucial elements of any effective form of financial planning, and sound advice is a must.


    The writing of a Will or Powers of Attorney involves the referral to a service that is separate and distinct from those offered by St. James’s Place. Wills and Powers of Attorney are not regulated by the Financial Conduct Authority.

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Need help with protecting what’s important?

Have a no obligation, initial consultation with one of our experienced Financial Advisers today. We can help with your personal and corporate protection needs.  

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