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We can never be sure what’s waiting for us round the next corner. It could be great; a new job, a new baby or even winning the lottery. But sometimes, without warning, life throws the unthinkable at us.

How would you cope if you lost your income for any reason, either due to losing your job or because of an accident or problems with your health? We can no longer rely on the state to support us. The Employment Support Allowance (ESA) form is over 50 pages long and that is only the beginning. Have you asked yourself how your family would cope if you died?  Could they pay the mortgage and afford the running costs of the family home.  How would it affect their lifestyle and is it what you would want for them?    

Protection is the bedrock of all Financial Planning and yet so many have so little!

The average UK household has £2,431 in savings and £610 in debt, and 42% of employed adults believe they could only survive a month or less on their savings1 

With around 1,000 people being diagnosed with Cancer2,460 dying from Heart or Circulatory Disease3, and 274 suffering a Stroke4, every day, the need to protect our lives and the peace security and well-being of those we hold dear, is obvious.

Is it worth sacrificing a few coffees or glasses of wine or beer each month, to cover the cost of this valuable protection?  

Can I afford / afford not to have protection?

Download our Family Monthly Budget Planner (.xsls 15kb)

We all want the best for our families and most of us would hope they would be able to maintain their current standard of living, or better, if we weren’t around. However, many of us think it won’t happen to us, but it can.


1 - L & G Deadliine to the Breadline Research 2022 

2 - Cancer Research UK Cancer Stats 2017-2019

3 - British Heart Foundation Conrnary Heart Disease Statistics Aug 2022

4 - Stroke Association www.stroke.org.uk 2021/228




We charge a Broker Fee of £199 on application and £190 on completion of your Mortgage.

*Some forms of Bridging Finance and most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages, Overseas Property & Mortgages, Wills, Probate, Trusts and Tax & Estate Planning are not regulated by the Financial Conduct Authority. 

Pensions, Investments, Wills & Probate, Tax & Estate Planning, Overseas Property & Overseas Mortgages, Commercial Mortgages, Bridging Loans and Commercial Insurances are referred to specialist suppliers. 1 4 U Financial Solutions Ltd or PRIMIS are not responsible for any advice received from a third party.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.