Insurance
Life is unpredictable. While we hope for the best, having the right protection in place means that whatever happens, you and your family are financially secure.
The right insurance policy can mean the difference between maintaining your standard of living and facing serious financial hardship at an already difficult time. Whether it’s a serious illness, an accident, or the loss of income, we work with you to find cover that is tailored to your circumstances and budget — giving you genuine peace of mind.
We can help you with the following protection options:
Life Assurance
Life Assurance ensures that your home and lifestyle are protected should the unexpected happen. Whether you wish to clear your mortgage, receive a lump sum, or provide a replacement income for your family, we will help you find the right combination to suit your needs and budget.
Level Term Assurance
Level Term Assurance provides a guaranteed payout in the event of your death, or upon diagnosis of a terminal illness during the term of the plan. The level of cover remains fixed throughout, giving you certainty and consistency. Terminal illness cover is often included at no additional cost.
Decreasing Term Assurance
Decreasing Term Assurance provides a guaranteed sum in the event of your death or terminal illness diagnosis during the plan term. The level of cover reduces over time broadly in line with your outstanding mortgage balance, making it a cost-effective way to protect your home.
Critical Illness Cover
A serious diagnosis can change everything — not just your health, but your finances too. Critical Illness Cover pays out a tax-free lump sum upon diagnosis of a specified critical illness, helping you manage the financial pressures that may follow, whether that’s adapting your home, replacing a vehicle, or funding ongoing care.
Our experienced advisers continuously research the market to ensure you have access to the most suitable and competitive products available.
Income Protection
Your ability to earn is one of your most valuable assets. If illness, injury or redundancy were to leave you without an income, Income Protection insurance can provide a financial safety net, replacing a portion of your lost earnings and giving you the breathing space to focus on recovery.
We will guide you through the options available and recommend a plan that is right for your circumstances.
There are other providers of Payment Protection Insurance (Short-Term Income Protection) and other products designed to protect you against loss of income. For impartial information about insurance, please visit MoneyHelper — free and impartial help with money, backed by the government.
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Puleston Wealth Management Ltd. Registered in England and Wales under No. 08389899. Registered office address: Springside 21 Arley Road, Appleton, Warrington, Cheshire, WA4 4RN.
Puleston Wealth Management Ltd is an appointed representative of Quilter Financial Services Ltd (QFS) , who are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Ltd (QFS) is entered on the FCA register under reference 440703 https://register.fca.org.uk/s/