Life rarely follows a perfect script. Although no one likes to think about it, illness, accidents or unexpected events can arrive without warning, leaving not only emotional weight but financial implications too. At Two10 Investment Services, we aim to help individuals and families prepare for these possibilities with protection strategies that are personal, flexible and focused on what matters most.
Planning for the Unexpected
Many think of protection as something they’ll “get around to” - especially if they already have a policy through work or one taken out years ago. But life changes. Families grow, careers evolve and financial responsibilities increase. What protected you five or ten years ago may not be enough today.
Rather than offering off-the-shelf products, we take time to understand your situation - your family, your career, your goals - and suggest ways to strengthen your financial safety net. That might include reviewing your existing life cover or looking at how your protection is structured to make sure it’s as efficient and as purposeful as possible.
A Tailored Approach for Every Life Stage
- Working Professionals and Business Owners
Protection is often about more than just safeguarding income. It’s also about maintaining business continuity and using company structures wisely. For example, certain life policies can be set up through a business, potentially bringing tax advantages while still offering meaningful cover. This can help protect everything from personal income to business loans, all while supporting your family should the unexpected happen.
- Young Families
Young families, on the other hand, may be focused on different needs - like making sure there’s enough in place to support children if one parent is no longer around. That might mean life cover tailored to your specific circumstances or a regular income benefit that could help with school fees, childcare or simply maintaining day-to-day life during a difficult time.
- Later in Life
Protection becomes part of wider estate planning. Life insurance can play a role in managing inheritance tax liabilities, while helping to ensure that your partner or family is financially supported if investment or pension income stops. It’s not just about covering costs - it’s about having confidence that the plans you’ve made will still support the people you love.
It’s Not Just About the Policy
What makes protection truly effective isn’t just having a policy in place - it’s having one that fits. We’ll review what’s already in place, explain the gaps that could exist and walk you through your options in plain language.
We also consider how your protection is set up - whether it’s held in trust, structured through your business or designed to adjust as your needs change over time. These are the kinds of details that can make a real difference in how protection works when it’s needed most.
Confidence, Not Complexity
At its core, protection planning is about confidence. It’s about knowing that if life takes an unexpected turn, the people you care about won’t have to shoulder the financial burden alone.
At Two10 Investment Services, we’re here to offer clear, thoughtful advice that reflects your goals and your lifestyle. No jargon, no pressure - just support in building a plan that helps you feel more secure, no matter what comes next.
*Investments can go down as well as up and you might not get back the capital invested.
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