Protection
At Riverstone Financial Planning, we believe that protecting yourself and your loved ones is the foundation of a secure financial future. We offer a range of solutions that provide peace of mind, knowing that even when life throws unexpected challenges your way, you and your family are financially protected.
Life Assurance
Life assurance is designed to ensure that your loved ones are looked after financially if something happens to you. Whether it’s paying off the mortgage, providing financial support for your family, or leaving behind a legacy, life assurance offers a tax-free lump sum to your beneficiaries upon your death.
At Riverstone, we work with some of the UK’s most trusted providers to offer policies that suit your individual circumstances, whether you need a level term assurance that guarantees a fixed payout or decreasing term assurance that reduces over time as your mortgage decreases. Life assurance gives you the confidence that your family can continue living the life you’ve worked hard to provide, even in your absence.
Critical Illness Cover (CIC)
Critical illness cover provides a safety net if you are diagnosed with a serious illness. It pays out a lump sum that can be used to cover treatment costs, clear debts, or adjust your lifestyle to accommodate your new needs. CIC is designed to ease financial stress during a difficult time, allowing you to focus on your recovery rather than worrying about bills and other commitments.
At Riverstone, we understand that every client’s situation is unique. That’s why we tailor critical illness policies to meet your needs, ensuring you’re covered for illnesses that matter most. With the ability to add CIC to a life assurance policy, we provide a comprehensive approach to protecting your health and financial security.
Income Protection (IP)
Your income is one of your most valuable assets, so what happens if an illness or injury leaves you unable to work? Income protection steps in to provide you with a regular income if you're unable to work due to illness or injury. Unlike critical illness cover, which provides a one-time lump sum, income protection ensures that your monthly financial obligations—like mortgage payments, bills, and daily living costs—are covered for as long as you're off work.
Whether you need short-term cover for a few months or long-term protection until retirement, Riverstone offers flexible policies that give you peace of mind in uncertain times. With this protection, you can focus on getting back to full health without the stress of how you’ll manage financially.
Contact us today for your free initial consultation.