- 50 Avalon Road, Orpington BR6 9AY
- Email: Jatinder@Jandgfinancials.co.uk
J&G Financials Ltd is part of 2plan Wealth Management, one of the UK’s leading financial planning networks. Our team of financial advisers has over 50 years of combined experience in the financial industry, offering tailored advice to help you achieve your financial goals. We pride ourselves on delivering high-quality service while adhering to ethical standards and compliance regulations.
- 50 Avalon Road, Orpington BR6 9AY
- 07421 043300
- Jatinder@Jandgfinancials.co.uk
- https://Jandgfinancials.co.uk
Protection is essential to ensuring that you and your family are financially secure, no matter what the future holds. Life is unpredictable, and having the right protection in place can provide peace of mind. Protection products, such as life cover, critical illness cover, and income protection, are designed to safeguard your income and assets, providing financial security in the event of unforeseen circumstances.
At J&G Financials, we understand that every individual has different needs, and we’re here to help you find the right protection plan tailored to your personal and family circumstances.
How J&G Financials Can Help
At J&G Financials, we offer expert advice on protection to ensure that you and your loved ones are fully covered. Whether you’re looking to protect your family’s standard of living, secure your income, or safeguard your health, we can help you find the most suitable protection policies for your needs.
Types of Protection We Offer:
- Life Cover
Life cover ensures that your loved ones are financially supported if you pass away. It can help cover debts, living costs, and future expenses. Whether you need a term life policy or whole life cover, we’ll help you find the best option for your family’s needs. - Critical Illness Cover
Critical illness cover provides a lump sum payment if you are diagnosed with a serious illness, such as cancer, heart disease, or stroke. This can help ease the financial strain of medical treatment and support you while you’re unable to work. - Income Protection
Income protection provides a regular income if you become unable to work due to long term illness or injury. This type of cover helps ensure that you continue to meet your financial obligations even when you’re unable to earn a income. - Family Income Benefit
Family income benefit provides regular payments to your family if you pass away. This type of protection ensures that your family’s standard of living is maintained while they adjust to life without you.
Why Choose J&G Financials for Your Protection Needs?
- Tailored Protection Plans
We understand that everyone’s protection needs are different. J&G Financials works with you to design a protection plan that meets your specific requirements and provides the right level of coverage for you and your family. - Ongoing Advice and Support
We offer continuous support to ensure that your protection needs evolve with your life stages, from buying a home to planning for retirement. Our team provides ongoing reviews and updates to ensure you’re always adequately covered.
Protection Warning
The value of protection policies, such as life cover and critical illness cover, may be subject to change depending on your personal circumstances, including age, health, and lifestyle choices. We recommend seeking financial advice before purchasing any protection products. ( I think more appropriate here is to mention – cost of insurance can increase as you age plus cost of insurance can increase if you have any pre-existing condition, also, you may not be get a cover if there are changes to your health) (better to arrange a cover sooner than later)*
* These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead
with the plan.
Testimonials - What our clients have to say
FAQs About Protection
1. What is the difference between life cover and critical illness cover?
Life cover pays out a lump sum to your beneficiaries in the event of your death, helping to cover living expenses, debts, and funeral costs. Critical illness cover, however, provides a lump sum payment if you are diagnosed with a serious illness such as cancer, heart disease, or stroke, to help cover medical bills, recovery costs, and lost income.
2. How does income protection work?
Income protection provides a regular monthly income if you are unable to work due to illness or injury. Typically, it replaces a percentage of your income and ensures you can continue to meet your financial obligations, such as mortgage payments and bills, while you recover.
3. Can I add critical illness cover to my life insurance policy?
Yes, many life insurance policies offer the option to add critical illness cover as a rider. This allows you to have both life cover and critical illness cover in one plan, ensuring that you’re financially protected if you become critically ill.
4. Is income protection available if I’m self-employed?
Yes, income protection is available for self-employed individuals. It’s a great option for those who don’t receive sick pay from an employer, as it can provide financial support if you’re unable to work due to illness or injury.
5. How much life cover do I need?
The amount of life cover you need depends on factors such as your financial obligations, dependents, and future goals. A common rule of thumb is to have enough cover to replace lost income, pay off outstanding debts, and ensure your family’s financial security for the future.
6. Can I increase my protection cover in the future?
Yes, many protection policies allow you to increase your coverage as your needs change, such as when you get married, buy a home, or have children. Speak to your financial adviser to ensure that your cover remains aligned with your evolving needs.
Protect What Matters Most with Expert Guidance