Why protection matters
Life rarely goes exactly to plan. Illness, injury, or unexpected loss can have a significant impact on your finances, often at the very time you’re least able to deal with it.
Protection planning is about making sure that:
- Your family can maintain their lifestyle
- Your income continues if you’re unable to work
- Your plans don’t unravel due to events outside your control
- Your estate planning remains effective
Many people underestimate the financial impact of ill health or loss, assuming existing cover through work will be enough. In reality, employer benefits are often limited, temporary, or lost if you change roles.
Getting protection right provides reassurance, stability, and peace of mind. Not just for you, but for the people who rely on you.
What we advise on
Protection solutions tailored to your circumstances
We advise on a full range of personal protection solutions, ensuring the right type and level of cover is in place for your needs, priorities, and budget.
We can help with:
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Term Assurance
Including level and decreasing cover, commonly used to protect family income, mortgages, and financial commitments.
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Whole of Life Insurance
Often used as part of inheritance tax planning to help provide liquidity for tax liabilities.
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Income Protection
Designed to replace a portion of your income if you’re unable to work due to illness or injury.
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Critical Illness Cover
Providing a tax-free lump sum following diagnosis of a serious illness, helping reduce financial pressure during recovery.
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Private Medical Insurance
Giving access to prompt medical treatment and specialist care when you need it most.
Each recommendation is based on your wider financial plan, existing benefits, and long-term goals — not a one-size-fits-all approach.
How we approach protection planning
At Henley & Co, we work on the basis of clear, considered and proportionate protection advice
This process can be broken down into 4 simple steps:
1
We look at your income, family situation, liabilities, and future plans to identify where protection is genuinely needed.
2
Existing employer or personal cover is assessed to avoid duplication and gaps.
3
We recommend suitable types and levels of cover, balancing cost, benefits, and peace of mind.
4
Protection needs evolve as your circumstances change, so cover should be reviewed regularly.
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Why protection planning with Henley & Co
Protection planning works best when it’s integrated into your wider financial picture, not treated as a tick-box exercise. We take the time to understand what you’re protecting and why, ensuring cover is relevant, appropriate, and aligned with your broader financial plan.
Advice focused on real risks, not unnecessary cover
Protection aligned with your financial and retirement plans
Clear explanations in plain English
Access to a wide range of leading insurers
Ongoing reviews as your circumstances evolve
Get in Touch
If you’d like to talk through your plans or have questions about your financial position, we’d be happy to help. Get in touch to arrange an initial conversation.