Family Protection

Family Protection

It's important to think through the "What If" questions. What would happen to your family if you were injured or critically ill, or if you died? We'll help you work up a plan for:

  • Protecting your dependantshow much money would they need available if something happened to you? Will your existing arrangements work? Do you need to adjust your will and estate planning?
  • Dealing with your liabilities: your mortgages, loans and credit cards. What effect will these have on your surviving family?
  • Protecting your income: how much money would you need to provide a cushion fund if you were too ill to work? What benefits would you be entitled to? For how long? What’s your attitude to risk? 

Your family protection plan can provide a lump sum (or income) to replace any lost income due to death. It might include:

We'll guide you to making the right choices so that your loved ones have some security if anything happens to you.

Critical Illness

It’s important to plan for the worst case scenario – what would happen if you were injured or critically ill, or if you died?  

Critical Illness cover is designed to pay a lump sum on diagnosis of a critical illness such as cancer. It can be used to replace lost income, or to pay for medical fees/treatments. Critical illness cover allows you focus on getting better without worrying about money.

Income Protection

What would happen if you became too ill to work? How would you survive financially?

Having income protection means that your income is replaced if you're unable to work due to long-term incapacity. Income protection supplements any employer arrangements, which will not usually continue over a long period of absence. State benefits may be available but are very limited.

Long Term Care

When a severe and debilitating disease is prevalent it can be very daunting and stressful. Long Term Care insurance will provide assistance to those suffering, usually of chronic and incurable conditions. Unfortunately the NHS are unable to cover all the costs associated with such conditions so the need for this benefit is very real and relied upon heavily.

Mortgage Protection

Mortgage Protection can help if you get into disarray with your mortgage repayments.

Mortgage Protection will provide a lump sum to repay any contractual liabilities including a mortgage. Usually the cover will only last for the outstanding mortgage or loan term. This is a relatively simple & cost effective protection plan.

Private Medical Insurance

If you get ill, private medical insurance can pay for certain medical consultations, treatment and surgery, so that you don’t need to rely on the NHS. As well as providing a safety net and peace of mind, it can also give you more choice as to where you’re seen and by whom; clean, modern hospitals; private rooms; and access to advanced cancer drugs that aren’t universally available through the NHS.

It can speed up recovery times, thereby allowing the individual to return to work more quickly. Our policies can cover both individuals and families - talk to us about how this might work for you. If you're moving to the UK, our English guide is available in Russian and Arabic.  

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“May I just say what a pleasure it has been speaking to you and your team on the phone. They have been nothing short of polite and helpful and they also have a sense of humour!”

Julie R

 

Ready to work with us?

You can call us to talk more about your insurance on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewellery collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

In-house Wealth Management

We also offer Investments & Pensions and Financial Planning: a joined up approach with a team of advisers working for your best financial interests - all under one roof.

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in London & New York
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Henry Metcalf Chartered FCSI PCIAM

INVESTMENT MANAGER

Direct Dial: +44 (0) 1223 200650

Mobile: +44 (0) 7900 823 838

Email: henry.metcalf@laplayawealth.com

Twitter: @HenryMetcalfLaPlaya