Protectus Insurance Services
Understanding Life’s Risks – The Facts
50%
According to the NHS, about 50% of people in the UK will develop cancer during their lifetime.
Cancer Research UK (CRUK) website, 2024
Male 78.6
Female 82.6
average years of life
The latest estimates of period life expectancy at birth for the UK show a fall from 2017–19 of as much as 0.7 years for males (to 78.6 years) and 0.4 years for females (to 82.6 years) by 2020–22.
The Health Foundation, 15 Feb 2024
2.82m
In the first quarter of 2024, 2.82 million people in the UK were not working due to long-term sickness, which was a record high.
Statista, 13th Nov 2024
These statistics predict somebody’s future, no one knows whose future,
these are Life’s Risks…
To Insure Against Life’s Risks…just ask Mike
We Can Help You Protect Against Life’s Risks
Life is full of risks. Some we enjoy, others can be extremely demanding; both physically and financially. While we can’t predict your future, we can help safeguard you, your loved ones and what you value, from life’s uncertainties.
How Insurance Can Help – Protect Your Future
Properly advised, insurance can act as a safety net, providing financial security and peace of mind in the face of life’s challenges. Here are some key examples:
Private Health Insurance:
Covers medical expenses, including expert treatment, hospital stays, prescription drugs, its purpose is to speed your treatment and recovery.
Income Protection Insurance:
Replaces up to 75% of your gross income if you become incapacitated and can’t work, allowing you to meet your financial obligations in the short-term, or until retirement.
Critical Illness Insurance:
Provides a lump-sum payment upon diagnosis of a covered critical illness, helping you manage medical costs, and make necessary lifestyle adjustments.
Life Insurance:
Provides a financial cushion for your loved ones in the event of your passing, helping them maintain their living standards, meet mortgage payments, education costs. All policies are placed in trust free of charge.
Relevant Life Insurance:
Provides a tax free, HMRC approved lump-sum payment on death of limited company directors. Premiums are an eligible expense, and not a benefit-in-kind.
Business Protection Insurance:
Specialist HMRC approved insurance products to protect business profits, key-people, share-holdings and director/business loans against death, critical or serious illness of directors or key-staff.
Already have insurance?
…just ask Mike for a FREE expert review
I Act For You, Not The Insurer
As an independent insurance advisor, I am not tied to any single insurer. This allows me to:
Offer a Free Service:
The service is free of charge.
Offer a Wide Choice:
I search the market to find the best policies and prices from a range of reputable insurers, giving you choice and flexibility.
Act in Your Best Interests:
I act for you to provide unbiased, impartial advice individual to your circumstances.
Protect Against Life’s Risks…
Don’t leave your future to chance. Contact me today for a free, no-obligation consultation. I’ll listen to your concerns, explain your options, and help you find the right protection to safeguard what matters most to you.
Contact me today for a free consultation…
Mike Shield
Independent Insurance Advisor
Will Writer & Estate Planning Practitioner
Call 07887 740 341 / 01642 761 091 or E-mail mike@protectus.org.uk
17 Langleeford Way Ingleby Barwick Stockton-on-Tees TS17 0FB
07887 740 341 | 01642 761 091
Email: mike@protectus.org.uk
Mike Shield would like you to know that he takes your trust seriously and that Protectus Ltd (FRN 1014809) Registered Office: 17 Langleeford Way, Ingleby Barwick, Stockton-on-Tees, TS17 0FB is an Appointed Representative of Movo Partnership Ltd who are authorised and regulated by the Financial Conduct Authority, authorisation number 823503. Registered Office: First Floor, 30 High Street, Chislehurst, BR7 5AS Registered in England No: 11544238. Protectus is registered with the Information Commissioners Office, Data Protection Registration Number ZB524506.
Mike Shield, of Protectus is a member of the Society of Will Writers and Estate Planning Practitioners and abides by its Code of Practice.
