Personal & Family Protection

Shot on location at The Inn at Whitewell

Protecting what matters most

Life can be unpredictable - but the financial impact doesn’t have to be. At Two10 Investment Services, we help you put the right protection in place so you and your loved ones are financially secure, whatever happens.

From income protection to life cover, we tailor tax-efficient solutions around your family, career ensuring your priorities are protected without overcomplicating things. Our advice is personal, not product-led, giving you peace of mind and confidence for the future.

Protecting the life you’ve built - and the people in It

Many successful individuals assume they’re adequately protected - but in reality, gaps are common. Relying on basic workplace benefits or outdated policies can leave you and your family financially exposed if the unexpected happens.

At Two10 Investment Services, we often see that people have cover in place for things like debt, or liabilities, but haven’t considered the future financial impact on them or their family, such as not being able to save for the futured due to illness, or leaving your family with a lifestyle they can’t afford.

We take a detailed look at your full financial picture - including your income, family responsibilities, lifestyle and business interests - to ensure you’re properly covered.

Our advice goes beyond ticking a box. We recommend the right mix of protection for your situation, including life insurance, critical illness cover and income protection .

We also help structure your cover through trusts where appropriate, ensuring benefits are paid quickly, to the right people, and in a tax-efficient way.

Shot on location at The Inn at Whitewell

Personal and family protection polic

Cover that adapts to your life

Your protection needs don’t stay the same - they evolve as your life and responsibilities grow. At Two10 Investment Services, we help you put flexible, tailored cover in place that moves with you. From safeguarding your income to protecting your family and future plans, we ensure you’re covered in the ways that matter most, both now and as things change.

For professionals, protection often centres around replacing income if illness or injury stops you from working. Our advisers can help ensure you can maintain your family’s lifestyle, no matter what life throws at you.

As your priorities shift - whether that’s raising a family or thinking about later life - your plan should adapt too. We help parents build protection that reflects their children’s needs, from life cover to income support. And for those approaching retirement, we focus on legacy planning, including using life cover to reduce inheritance tax or making sure your spouse is financially secure if your income were to stop. Whatever your stage of life, we ensure your cover is both relevant today and ready for the future.

Our local team supporting families and individuals

At Two10 Investment Services, we offer independent, FCA-regulated advice that’s tailored to your personal circumstances - not a one-size-fits-all solution.

Based locally on Berry Lane in Longridge, our team brings experience in supporting individuals and families through a wide range of life stages, from growing a career or business to planning for retirement or protecting loved ones.

We take a collaborative, thoughtful approach, working closely with you - and, where needed, alongside your legal or tax advisers - to ensure every aspect of your protection planning fits seamlessly into your wider financial goals. Whether you’re employed, self-employed, or running a business, we’re here to help you make informed decisions with clarity and confidence.

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How we can help with personal and family protection

Matthew, one of our Financial Advisors, discusses the importance of personal and family protection, and how we can help.

Financial Planning FAQs

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What types of protection should I consider as my life changes?

Your protection needs evolve over time. In your early career, income protection may be a priority. As your family grows, life cover and family income benefit become more relevant. Later in life, protection can play a role in estate planning and supporting a surviving spouse. We help ensure your cover reflects your current responsibilities and goals.

How do I know if my existing policies are still suitable?

It’s important to review your protection regularly, especially after major life events like starting a business, buying a home, or having children. We can assess your current policies to see if they still offer the right level of cover and identify any gaps or inefficiencies.

Is protection expensive?

The cost of cover depends on factors like your age, health and the type and amount of protection you need. But with the right structure, protection can be more affordable than many expect - especially when arranged tax-efficiently. We help you find value by focusing on the right cover for your circumstances.

How does protection fit into my overall financial plan?

Protection is a key part of a robust financial plan. It provides a safety net that supports your wider goals - helping ensure your family, business, or lifestyle aren’t derailed by illness, injury or death. We build protection into your plan from the start, so it complements your investment, pension, and estate strategies.

Is it better to pay for protection personally or through my business?

That depends on your situation. In some cases, paying through your business can be more tax-efficient. We assess the best approach for your needs, helping you structure cover in a way that balances cost and benefit.

What’s the difference between income protection and critical illness cover?

Income protection provides a regular monthly income if you’re unable to work due to illness or injury. Critical illness cover pays out a lump sum if you're diagnosed with a serious illness listed in the policy. Each serves a different purpose, and we help you decide which - or both - suits your needs best.