Life holds no guarantees, but you can put protection in place so that if the worst should happen, your loved ones will be protected financially.

We all want the very best for our family throughout their lives, but we need to plan to achieve it. We can structure your finances to meet your family’s needs whether it’s providing income, paying for university, or providing a tax-efficient legacy in later life.

There are many different ways to protect against the unknown. Protection is personal, and if you’re interested in finding out more about what you can do to guard yourself and our family against unforeseen change, download our brochure, or contact your local office to arrange an appointment.

The Financial Conduct Authority does not regulate university/school fees planning.

“Serious illness or injury can occur at any time and will inevitably cause strain on families financially, as well as personally. Products such as income protection, life insurance and critical illness cover improve the financial resilience of individuals, households and businesses and give peace of mind.

Raluca Boroianu‑Omura, ABI Assistant Director, Head of Health and Protection

m every day

amount insurers pay out every day for protection policies, including income protection, critical illness and life insurance.

98% of protection claims were paid out, including 98% of term life insurance claims and 92% of critical illness claims.

Some examples of protection products and how they work:
Critical Illness CoverLife insuranceWhole of life cover
CIC is designed to pay a cash lump sum or monthly income on diagnosis of a specified critical illnesses, during the policy term.Life Insurance is designed to pay a cash lump sum or monthly income if you die, or are diagnosed with a terminal illness, during the term of the contract.Whole of life cover is designed to give dependants or beneficiaries a pay-out on the death of the person covered.
A mother and daughter on an ipad.

Find out more about how Wren Sterling can help you find out how you are covered, and organise protection appropriate to your needs:

Life Insurance: Are you covered?

We insure our cars, our homes, and even our holidays – but very few of us protect ourselves and our families against illness or death. Find out more about life insurance, what it is, and how it can be used to help some of our clients.

Critical Illness: Are you covered?

Could Critical Illness Cover be suitable for you? Each year close to a million people in the UK find themselves unable to work due to a serious illness or injury (ABI ). And it’s not uncommon to confuse the cover you have, thinking you’re protected when you’re not.

How to replicate workplace benefits when you’re self-employed

There are 4.69 million self-employed workers in the UK, and if you’re one of them – congratulations. We hope you’re enjoying all the benefits of being your own boss; you can set your own schedule, choose your customers, and work with talented people. But if you want to replicate your workplace benefits in a tax-efficient [...]