At Abram Partnership, we understand that financial protection is essential for individuals, families and business owners. Our independent Cardiff-based advisers will guide you through the details of protection planning, so you can make informed decisions that safeguard your income, your assets and your family's future. Whether you want income protection, estate protection, or simply want to understand how to secure your family's future, we are here to help.

Why financial protection matters

Unexpected events such as illness, injury or death can have a significant financial impact on you and your loved ones. Take a typical non-smoking man aged 40: before he reaches 65, he faces a 7% chance of dying, a 15% chance of becoming seriously ill, and a 37% chance of being unable to work for at least one month (source: Vitality Risk Calculator).

Our protection services:

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  • Life insurance: pays a tax-free lump sum to your loved ones if you die during the policy term, helping cover the mortgage, household bills, childcare and education costs, and funeral expenses. Options include term life insurance (pays out within a fixed term), decreasing term insurance (for mortgage protection, payout reduces over time), whole of life insurance (covers you for life, guaranteed payout), and family income benefit (ongoing support rather than a lump sum).
  • Critical illness cover: pays a lump sum if you're diagnosed with a serious illness included in your plan, helping with living expenses, private medical care, mortgage payments and home modifications. Many policies also offer children's critical illness cover for extra protection.
  • Income protection insurance: replaces part of your salary if you're unable to work due to illness or injury, so you can keep covering rent or mortgage payments, utility bills and everyday living costs, with flexible options to suit different budgets.

Why choose Abram Partnership?

We are independent, so we search across multiple insurers to find the cover that suits your needs and your budget, rather than recommending a single provider's products. We are also family-run and based in Thornhill, Cardiff, and we take the time to understand your situation before recommending any policy.

A free initial consultation is available so you can explore your options before making any commitment, and we review your cover regularly to make sure it still meets your needs as your circumstances change.

To understand how these risks apply to your own situation, and what cover would give your family the protection they need, book a free initial consultation with our Cardiff team.

 

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

Book your initial appointment

Frequently Asked Questions

Useful Guide

Protecting

Guide To Securing Your Financial Future

Protecting the most important things in life should the worst happen

Our services

  • Investments


    As independent financial advisers we can provide investment solutions to help you achieve your goals and objectives.

  • Retirement Planning


    We use in depth cash flow analysis/modelling to help you plan and shape your retirement based on your individual circumstances

  • Tax
    Planning


    We can advise on strategies to mitigate tax for both businesses and personal clients.

  • Protection


    One of the foundations of financial planning is protection to ensure you and your family are financially secure in the event of your death, disability or serious illness.

  • Mortgage & Insurance


    Buying your first home, moving to a new house or re-mortgaging? We are happy to advise you on mortgage solutions that suit your needs