Comprehensive Financial Protection in Cardiff
Protection is one of the foundations of a financial plan
Secure Your Future with Expert Protection Advice
At Abram Partnership, a family-run Independent Financial Advisory (IFA) firm in Thornhill, Cardiff, we understand that life is unpredictable.
That’s why financial protection is a cornerstone of smart financial planning. We provide expert guidance on life insurance, critical illness cover, and income protection, ensuring that you and your family are financially secure—no matter what the future holds.
Why Financial Protection Matters
Unexpected events such as illness, injury, or death can have a significant financial impact on you and your loved ones. Consider these statistics:
Take a typical non-smoking male aged 40 for example; before they reach 65 run the following risks:
- 7% chance of dying
- 15% chance of becoming seriously ill
- 37% chance of being unable to work for at least one months
(Source: Vitality Risk Calculator)
While insurance can’t prevent these events, it can provide essential financial support to maintain your family’s lifestyle, keep your home, and ease financial stress during difficult times.
Our Protection Services
Life Insurance
Life insurance provides a tax-free lump sum to your loved ones if you pass away during the policy term. It can help cover:
- Mortgage payments
- Household bills
- Childcare and education costs
- Funeral expenses
Types of life insurance include:
- Term Life Insurance – Pays out if you pass away within a fixed term.
- Decreasing Term Insurance – Designed for mortgage protection as the payout reduces over time.
- Whole of Life Insurance – Covers you for life and guarantees a payout.
- Family Income Benefit – Provides ongoing financial support rather than a lump sum.
Critical Illness Cover
A critical illness diagnosis can be life-changing, impacting both your health and finances.
This policy pays out a lump sum if you are diagnosed with a serious illness covered by your plan, helping with:
- Living expenses
- Private medical care
- Mortgage payments
- Home modifications
Many policies also offer Children’s Critical Illness Cover, providing additional protection for your family.
Income Protection Insurance
If you’re unable to work due to illness or injury, income protection replaces a portion of your salary. This ensures you can continue covering essential expenses like:
- Rent or mortgage payments
- Utility bills
- Everyday living costs
With flexible options to suit different budgets, income protection provides financial security when you need it most.
Why Choose Abram Partnership?
Independent & Unbiased Advice – We work with multiple insurers to find the best cover for your needs and budget.
Local & Family-Run – Based in Thornhill, Cardiff, we offer personalised, trustworthy service to our community.
Tailored Solutions – Your financial needs are unique; we take the time to understand your situation and recommend the right policies.
Free Initial Consultation – Speak to us at no cost to explore your protection options.
Ongoing Support – We regularly review your policies to ensure they continue to meet your evolving needs.
Take the First Step Towards Financial Security
Don’t leave your family’s future to chance. Protect what matters most with expert advice from Abram Partnership.
📞 Call us today for a free consultation: 02920 69 3700
Useful Guide
Guide To Securing Your Financial Future
Protecting the most important things in life should the worst happen
Our services
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