Life is full of surprises, some which are unwelcome. These situations can have a huge impact on you and your family.

We offer an Independent whole-of-market approach to your protection needs, to ensure that you get the right cover for you at a cost that is affordable. We are here to help to protect against life’s expected eventualities.

Life Protection

Life cover can be to protect your mortgage and other debts, pay and income to a child on the death of a parent, or pay a lump sum for your family to ensure their lifestyle is maintained.

There are 3 typical types of Life Cover

Level Term Assurance

This will pay a lump sum in the event of death if it occurs within a specified period of time. This can be on a level basis or an escalating basis, which aims to increase by inflation. This can also be combined with critical illness benefit.

Decreasing Term Assurance

This is designed specifically to protect a loan or mortgage as the level of cover decreases over time. This can also be combined with critical illness benefit.

Family Income Benefit

In the event of death, this pays out a monthly or annual lump sum in the event of the death of the policyholder, designed to protect dependents.

Critical Illness Protection

This is available on a level basis or decreasing basis and can be included as part of a life policy or separate policy.
It is designed to pay out a lump sum on diagnosis of a specified critical illness within a specified term. Here is an interview with Dr Marius Barnard who pioneered the first critical illness policy and whose brother Christian was the first doctor to complete a human to human heart transplant.

Income Protection

This policy will provide a monthly income in the event of sickness or accident for a set period of time or until retirement. It is available on a level basis or an escalating basis to attempt to keep in line with inflation.

If you have a need for any of the above products then a Personal Protection Plan is the option for you.

After initially discussing your goals and needs we will look at your current arrangements, assess these, and then make recommendations to you. We will then provide you with a bespoke personal plan tailored to your needs.


Speak to one of our Independent Financial Advisers

If you would like further information, please contact us, or click here to book your free initial consultation.

Dolphin Financial is Authorised & Regulated by the Financial Conduct Authority - 778632
Registered in England & Wales - Company No. 10713348