We provide independent protection advice to help safeguard you, your family or your business if illness, injury or death affects your finances. We assess your priorities and recommend suitable cover at an appropriate cost.
Protection planning considers how you or those who depend on you would cope financially if you died, became seriously ill or could not work. We review your income, debts, dependants, savings, workplace benefits and existing policies to identify any gaps and establish the amount and type of cover required.
Different policies protect against different financial risks. The appropriate type and amount of cover will depend on your circumstances, existing provision and the people or business interests that rely on you.
Pays a lump sum or regular income if you die during the policy term. It can be used to repay a mortgage or other debts, replace lost income or provide financial security for your family.
Pays a lump sum if you are diagnosed with one of the serious illnesses covered by the policy and meet its definition. The money could be used to repay debts, replace income or meet additional costs arising from your illness.
Provides a regular income if illness or injury prevents you from working. Payments normally begin after an agreed waiting period and can continue until you return to work, retire or reach the end of the policy term.
Provides a regular income for the remainder of the policy term if you die during that term. This can help replace lost earnings and meet continuing household expenses.
Can help protect a business against the financial effects of the death or serious illness of an owner or key employee. This may include key person cover, shareholder or partnership protection and business loan protection.
Existing policies and workplace benefits may already provide some protection, but the amount or type of cover may no longer be suitable. We review the benefits, policy term, premiums, exclusions and ownership arrangements before recommending whether any existing cover should be retained, amended or replaced.
Protection needs can change following marriage, divorce, the birth of a child, a new mortgage, changes in earnings or developments within a business. Regular reviews help ensure that your cover remains appropriate. Existing policies should not be cancelled until any replacement cover has been accepted and put in place.
Financial products can provide valuable benefits, but they also involve risks. We explain the risks relevant to any recommendation before you decide whether to proceed. The following general points apply to the services described our website.
Oliver Financial Planning
98 Bay Tree Rd, Bath BA1 6NF, UK
Oliver Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Financial services reference number: 963900.
Our company number is: 13205258. Registered office address: 30 Circus Mews, Bath, BA1 2PW.
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