Protect what matters most
Financial protection is not about preparing for the worst. It is about building stability, taking responsibility, and creating a foundation that supports your family, your income, and your goals — no matter what life brings.
At Patterson-Mills, we help you take a confident, proactive approach to protection. Whether you are starting a family, managing a mortgage, or running a business, we work with you to design cover that fits your life and complements your wider financial plan.
With advice that is personal, clear, and well-structured, we ensure your protection strategy provides reassurance today and flexibility for tomorrow. It is all part of giving you and your loved ones the freedom to focus on what matters most.
How we work with you
We approach protection planning with the same care and attention we bring to every area of your financial strategy. Our process includes:
Understanding your world — We begin by exploring your income, liabilities, dependants, and overall financial priorities.
Identifying the gaps — From there, we assess what cover you currently have in place and where vulnerabilities may exist.
Creating a protection strategy — We recommend a set of solutions that are tailored to your needs, explained clearly, and designed to work together.
Reviewing regularly — Life evolves, so we ensure your plan continues to match your circumstances over time.
How to get started
This service is ideal for individuals and families who want peace of mind knowing that their financial responsibilities are protected in any scenario. Here is how we begin:
Start the conversation — We begin with a meeting to understand your family, income, and obligations.
Explore the options — We guide you through the most relevant solutions, from life assurance to income protection and beyond.
Build your plan — We put the cover in place and provide guidance going forward, adapting it as your life changes.
What can financial protection include?
A well-structured protection plan may include one or more of the following components. Each plays a specific role in helping to secure your income, family, or business if life does not go to plan.
Life assurance
Provides a lump sum to your beneficiaries in the event of death, helping to repay debts or provide financial support.
Income protection
Replaces part of your income if you are unable to work due to illness or injury, offering stability while you recover.
Critical illness cover
Pays out a lump sum if you are diagnosed with a specified serious condition such as cancer or stroke.
Family income benefit
Provides a regular monthly income to your family in place of a lump sum, helping them maintain their lifestyle.
Key person insurance
Helps your business cope with the financial impact of losing a key employee through illness or death.
Shareholder protection
Ensures that business shares can be bought and retained within the company if a partner passes away.
We are here to help you determine which options make sense for your situation and how to structure them effectively.