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English Mutual Ltd
Head Office
22 The Tything
Worcester
WR1 1HD.
Tel: 0845 603 3679
Fax: 01905 613222

worcester@englishmutual.com

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Family Protection

There are a great many ‘what ifs’ in life.

Questions sometimes too frightening to contemplate an answer; too may unknowns, with none of us certain about what’s going to happen in the future, with possibilities many of us don't necessarily want to consider.

What would happen to my family if something happened to me? Would they be able to keep the house? What about school fees? How would we cope if one of us became ill? What if one of the children became ill? What if I lost my job? What if...?

No amount of financial planning can possibly remove the distress caused by the death of a loved one, the discovery of a serious health issue or by a sudden, unwelcome and unexpected change of circumstances. However, steps can be taken to ensure that appropriate measures are put in place to remove financial pressure in the event of a catastrophe, making sure that financial concerns are the least of your worries.

English Mutual Financial Planners are trained and able to discuss all of your family protection needs: Life assurance, medical insurance, the use of trusts, school fee protection, critical illness cover, income protection, powers of attorney and family income benefit.

An old saying promises that ‘you can never have too much insurance'. We think perhaps that you can. We advocate regular, balanced reviews of your family protection needs with a qualified Financial Planner to ensure that you understand and appreciate your position in the event of the worst happening and are put in the strongest possible position to make the right decisions.

Our view is that whilst you might be able to have too much insurance, you can never have too much reassurance.

Family protection; it is all about peace of mind.

To discuss your family personal protection needs in detail click here to contact an English Mutual Financial Planner.

English Mutual Limited is an appointed representative of Sanlam Private Wealth UK Limited (which is authorised and regulated by the Financial Conduct Authority). English Mutual Limited and Sanlam Private Wealth UK Limited are both members of the Sanlam Group. Registered office: St. Bartholomew's House, Lewins Mead, Bristol, BS1 2NH, United Kingdom. Registered in England and Wales 3879955. English Mutual is a restricted financial advice firm, by which we mean that our recommendations will be restricted to the products and services of Sanlam where possible. In cases whereby Sanlam is unable to meet a client’s financial needs (for example where Sanlam does not offer a particular product), we will recommend an appropriate solution from the whole of the market.

Your home may be repossessed if you do not keep up repayments on your mortgage. A typical mortgage advice fee of £295 may be charged.The Financial Conduct Authority does not regulate Taxation Advice, Estate Planning, and some forms of mortgages. Equity release schemes can be very helpful but are not suitable for everyone. It is important to understand the risks and to understand the cost, the level of flexibility (if you might want to move home) and the possible impact on future state benefits. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Equity release schemes are high-risk products and you should take advice before you make any decision about whether to use them. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.