Insurance

At PFM Associates, we help you plan for the unexpected with tailored protection advice. From life insurance to critical illness cover, we identify the right solutions to help safeguard your finances, family, and future.

Planning for the future is important, and by extension, so is getting the right insurance and protection product(s). This is smart financial planning as it offers you complete reassurance to safeguard your assets, investments, and family’s future. At PFM Associates, we help you identify the potential risks to your financial security and prepare for unexpected events that can otherwise have devastating financial consequences.

Whether it’s a serious illness, disability, or death, or anything in between, these can be emotionally distressing while creating a substantial financial obstacle for you and your loved ones. Insurance and protection planning safeguards your family’s financial future, whatever happens.

A young woman sitting at a desk with a laptop and paperwork

Types of Protection Cover

Protection policies typically fall into one of three categories.

Life insurance policies: Provides a lump sum to your beneficiaries if you die, which can help them maintain their lifestyle, pay off outstanding debts, or fund their future. We can advise and arrange life policies and obtain a highly competitive premium.
Income protection: This coverage replaces a portion of your income if you’re unable to work due to illness or injury, helping you maintain your lifestyle and continue meeting your financial obligations. We will take into account your chosen occupation class, any no-claims benefits, and whether benefits can be increased each year.
Critical illness cover: Pays a lump sum if you’re diagnosed as suffering from a serious illness, such as cancer or a heart attack. The illnesses covered by the policy vary, but we will find you coverage from a provider that offers financial security and support when you need it most.

What our clients say

We have known John Skipton for 11 years. John Skipton is always patient and gives good sound advice. I would be happy to recommend John Skipton and PFM Associates to anyone should the situation arise.

Mr & Mrs Whatman - Christchurch

A Client since 2014

John has a very strong ability to explain complex financial matters in a simple and concise way, without watering down the key points of detail. This is important when I am making decisions about my financial future.

Mr Laney - Bournemouth

A Client since 2015

PFM have been our Independent Financial Advisers for many years. We like the fact that each adviser has their own area of expertise, so clients have access to a wide knowledge base. We feel confident that our money is well-managed and highly recommend PFM.

Mrs Drysdale - Dorset

A Client since 1998

I was introduced to PFM by a family member about 12 years ago, in order to obtain personal pension planning advice. I have been very pleased with the advice given by my adviser, for my pensions and for wealth management. I have no hesitation in recommending PFM.

Mr R C Brady - Bristol

A Client since 2012

Protection for Business Owners

If you own a business, protection planning becomes increasingly complex as you get older and your circumstances evolve. We can help with a number of insurance products, including (but not limited to):

Business loan protection
Shareholder protection
Key person insurance
Business expenses insurance

Our approach considers your financial commitments, family circumstances, business size, and risk tolerance.

Street of traditional terrace houses in Bridgenorth, Shropshire

How Much Does Life Insurance and Protection Cost?

Many people assume protection insurance is expensive, but modern policies can be surprisingly affordable, especially when arranged through an independent adviser like PFM Associates who can access the whole market.

We have access to a large pool of insurers that can offer family discounts, tax advantages, reduced cover options and reviewable premiums. These can potentially and substantially decrease your outgoings over time.

We work with insurers who have strong claims-paying records and provide support if you ever need to make a claim. We also ensure your policies are written appropriately from the outset, with accurate information and suitable terms that maximise the likelihood of a successful claim.

Independent Lifetime Protection Advice in Poole

Your protection needs will likely change as your circumstances evolve. PFM Associates will conduct regular reviews to ensure your cover remains adequate and appropriate, whether you get married, have children, or pursue a career change, we will adjust your protection accordingly. Any increases in income, such as the procurement of new assets, may require additional cover, of which we will advise. We’ll also monitor your health changes and how this affects your current coverage and the claims process.

As independent advisers, we can access protection products from across the market, ensuring you get the most suitable cover at the best available price. We’re not tied to any particular insurer, so our recommendations are based solely on what’s best for your circumstances. Contact our protection specialists in Poole, Dorset, for a comprehensive review of your current position today.

Why work with us?

There are many reasons why over 2,000 people in Dorset, Hampshire and the South have chosen us to help them on their financial journey.

Find Out More

Ready to start your journey?

If you have any questions or would like to organise a no-obligation consultation at our expense, please complete this form.

Name(Required)

Email(Required)

Phone

Message(Required)