How much life insurance do I actually need?

A common starting point is enough to clear the mortgage and replace a portion of your lost income until your youngest child is independent. We'll model your real numbers — not a rule of thumb — before quoting anything.

What's the difference between critical illness and income protection?

Critical illness pays a lump sum on diagnosis of a defined condition; income protection pays a monthly income if you can't work due to illness or injury. Most households need a blend of both.

Will pre-existing conditions stop me getting cover?

Not necessarily. We know which insurers underwrite which conditions more sympathetically and can pre-screen before a full application is submitted.

Do you arrange business protection too?

Yes — keyperson, shareholder protection and relevant life policies for directors and partners across Surrey.

Local protection advice

Life Insurance & Protection Advice in Farnham

Life insurance, critical illness cover, income protection and family income benefit — researched across an extensive panel of providers and arranged by an FCA-regulated adviser in Farnham, Surrey.

Your local advisers

Ally Fang
Farnham, Surrey
mortgagesprotection
View →

Life Insurance in Farnham and the Surrey Border

Protection advice across Farnham, Rowledge, Hale, Wrecclesham and Weybourne — GU9 and GU10 — sits in a high-value market where both the property and the way income is structured tend to be more complex than average. Period homes, private unadopted roads and properties with acreage are common, and so are large mortgages secured against non-standard earnings.

The local buyer base is weighted towards senior executives, business owners and self-employed consultants. Retained company profit, dividends, director's loan accounts and multi-currency earnings are routine, and life insurance sums assured need to reflect the whole picture — mortgage, school fees, and the standard of living a family would want to preserve.

Income Protection and Executive Income Structures

For company directors, the question is usually whether cover is arranged personally or through the business, and how dividends and retained profit are treated by each insurer. Executive income protection and relevant life arrangements are both considered where they fit, alongside straightforward personal cover.

Statutory Sick Pay is largely irrelevant at these income levels — it is paid at a capped weekly rate for a limited period — which is precisely why higher earners feel the shortfall most sharply. Benefit levels, deferred periods and insurer maximum caps are compared carefully on larger cases.

Critical Illness Cover and Estate Considerations in Farnham

Critical illness cover is compared across a broad panel of insurers because condition lists and severity wording differ noticeably, and at these sums assured the difference is material.

Larger policies are almost always written in trust so the proceeds fall outside the estate for inheritance tax purposes and pay without waiting for probate. Existing arrangements are reviewed for structure as much as price.

Whether you need life insurance in Farnham, critical illness in Farnham or income protection in Farnham, our protection advisers can talk it through with you in Farnham. We also advise clients as protection advisers in Aberdeen, Ashford and Aylesford.

Trusts are not regulated by the Financial Conduct Authority.

Specialisms

Protection cover we arrange in Farnham

Private Medical Insurance is a referral solution to a specialist adviser.

Common questions

Protection advice in Farnham — FAQs

How much life insurance do I actually need?: A common starting point is enough to clear the mortgage and replace a portion of your lost income until your youngest child is independent. We'll model your real numbers — not a rule of thumb — before quoting anything.
What's the difference between critical illness and income protection?: Critical illness pays a lump sum on diagnosis of a defined condition; income protection pays a monthly income if you can't work due to illness or injury. Most households need a blend of both.
Will pre-existing conditions stop me getting cover?: Not necessarily. We know which insurers underwrite which conditions more sympathetically and can pre-screen before a full application is submitted.
Do you arrange business protection too?: Yes — keyperson, shareholder protection and relevant life policies for directors and partners across Surrey.

Also local to you

More advice in Farnham

Nearby areas