Secure your future and protect those who matter most
Financial protection is the foundation of a resilient plan. It safeguards your income, your family, and your responsibilities, ensuring that your goals stay on track even when life takes an unexpected turn. At Patterson-Mills, we help you plan with confidence so that you can move forward with clarity and peace of mind.
Whether you are protecting a growing family, securing your mortgage, or planning for business continuity, we provide expert guidance tailored to your circumstances. Our advice is clear, personal, and structured around what matters most to you.
With the right strategy in place, you can create a safety net that is as flexible as it is reliable. One that evolves with your life and supports your ambitions every step of the way.
How we work with you – Building your safety net with precision
We take a methodical approach to financial protection, balancing your current situation with your long-term vision. Our service includes:
Understanding your life and goals – We begin by assessing your financial commitments, dependants, and key priorities, so we can shape a plan that fits your world.
Reviewing existing cover – We evaluate your current arrangements and identify any gaps or inefficiencies that could leave you exposed.
Designing a protection strategy – We recommend integrated solutions that provide robust cover, complement your broader plan, and are easy to understand.
Keeping your cover aligned – As your life evolves, we continue to monitor your arrangements and adapt your plan to stay in step with your needs.
How to get started
This service is designed for individuals, families, and business owners who want to take control of their future by managing risk responsibly. Here is how we begin:
Start the conversation – We begin with a meeting to understand your personal circumstances, financial picture, and what you want to protect.
Explore the most effective solutions – Based on your needs, we guide you through a tailored set of protection options, from life cover to income security.
Put your plan in place – Once you are ready, we help you implement your cover, working with insurers and other professionals where needed. We then offer regular reviews to keep your strategy current and effective.
What does financial protection involve?
A strong protection plan covers a range of scenarios. Each element serves a specific purpose, helping to secure your finances and your loved ones when it matters most.
Life cover
Provides a lump sum for your beneficiaries, ensuring financial security if you are no longer there to provide for them.
Income protection
Replaces a portion of your income if you are unable to work due to illness or injury, helping you maintain stability while you recover.
Critical illness insurance
Pays out a tax-free lump sum if you are diagnosed with a serious medical condition, giving you the freedom to focus on your health.
Family income benefit
Offers regular monthly payments to your family in the event of your death, easing financial stress during a difficult time.
Key person insurance
Protects your business from financial disruption if a key employee or director passes away or becomes critically ill.
Shareholder protection
Allows business partners to buy out shares if a shareholder dies, keeping control of the business within the right hands.
We help you decide which options are appropriate for your situation and how to integrate them into a comprehensive plan.