The financial effect on your family or business if you died unexpectedly or contracted an illness and were not able to work could be devastating.

There are numerous alternatives to consider that will help protect you and your family. Many companies provide life assurance and there is a wide range of other types of protection policies. This makes for a competitive market which can only be good for clients; the wealth of choice may, however, seem a mixed blessing.

With so many options, making a decision can seem daunting. We can advise on this sensitive area of financial planning and assist you in putting into place the most appropriate protection package.

The options that we advise on include:

• Life and Health Protection
• Income Protection
• Business Share and Keyman Protection
• Private Medical Insurance.

For information on Payment Protection Insurance (PPI) see the CFM's Guide.

The Association of British Insurers Codes of Practice (ABI) has produced a wide range of insurance codes of good practice, briefing notes and good practice guides.   If you would like to access these, please visit the ABI web site.