Protect What Matters Most – Expert Life Insurance & Income Protection Advice
Life doesn’t come with guarantees, but the right protection gives you confidence to face the unknown. At Need Financial Planning, we help families and individuals across Kent and beyond find life insurance, income protection, and critical illness cover that fits their life—not a hard sales pitch.
We’re not here to push products. We’re here to give you peace of mind, honest advice, and a plan that genuinely protects your future.
Why Financial Protection Matters
Whether you're paying a mortgage, raising a family, or running your own business—having the right cover in place can protect your income, repay debts, or secure your family’s financial future if the worst happens. We tailor every recommendation to your goals, needs, and budget.
What Kind of Protection Do You Need?
Below are the most popular types of protection we advise on, explained in plain English:
Income Protection
Provides a monthly income if you’re too ill or injured to work. Helps cover bills, mortgage payments, and everyday costs while you recover—so your finances stay stable even when life isn’t.
Life Insurance
Pays a lump sum to your loved ones if you pass away, ensuring they can cover funeral costs, outstanding debts, and keep up with daily living expenses without added financial stress.
Mortgage Protection
Covers your mortgage repayments or pays off your loan in full if you pass away or become critically ill, protecting your home and loved ones from the risk of losing their home.
Family Income Benefit
Instead of a lump sum, this cover provides a regular monthly payment to your family for a set term after your death, offering ongoing financial stability at a tough time.
Critical Illness Cover
Pays a tax-free lump sum if you're diagnosed with a serious illness like cancer, stroke, or heart disease—helping cover treatment, lost income, or lifestyle changes.
Relevant Life Cover
Tax-efficient life insurance for directors or the self-employed. Paid for by your business and provides a tax-free benefit to your family in the event of death.
Why Choose Need Financial Planning for Protection?
Independent Advice
We’re not tied to any insurer. That means we recommend what’s best for you, not what earns us the most.
Tailored Recommendations
No two families are the same. Your advice will be 100% personalised based on your goals, lifestyle and budget
Straightforward Process
We explain everything in clear, simple language. You’ll never be left guessing what your policy covers.
Support Beyond the Sale
We don't disappear: Annual reviews, provider changes, or support during a claim—we’re in your corner.
Extra Policy Benefits You Might Not Know About
Many protection policies come with extra perks—often at no extra cost. Depending on the insurer, you could also get:
🧠 Mental health support – Access to counselling services
👨⚕️ 24/7 GP access – Speak to a doctor anytime, from anywhere
🦴 Fracture cover – Small lump sums for broken bones or minor injuries
👶 Children’s critical illness cover – Financial support if your child falls seriously ill
🧾 Second medical opinions – Confirm a diagnosis or explore other treatment options
💔 Bereavement counselling – Emotional support for your family
These additional benefits help you stay supported—physically, emotionally, and financially—even if you never make a major claim.
Ready to Get Protected?
Book your free Protection Strategy Call to discuss your options with a qualified adviser—no pressure, no obligation. We’ll help you feel in control, informed, and fully protected.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.
Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2022 Need Financial Planning Ltd. All rights reserved. Privacy Policy | Disclaimer | Cookie Policy