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 – Creating a safety net for life
Understanding your life and goals
We begin by assessing your financial commitments, dependants, and key priorities to shape a plan that fits your world.
Reviewing existing cover
We evaluate your current arrangements and identify gaps or inefficiencies that could leave you exposed.
Designing a protection strategy
We recommend integrated solutions that provide robust cover, align with your broader plan, and are easy to understand.
Keeping your cover aligned
As your life evolves, we review your protection to keep it responsive, relevant, and always 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 – You need to know more about us, and we need to know more about you. During our first meeting, we will gain an understanding of your personal circumstances, financial picture, and what you want to protect. You will be able to learn whether our services can fit your needs.
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 might financial protection involve?
A well-rounded protection strategy may include several types of cover, each designed to secure your income, your family, or your business in the event of illness, injury, or loss of life. Here are the components we commonly help clients put in place:
Life cover
Provides a lump sum for your beneficiaries, ensuring financial security if you are no longer there to support them.
Income protection
Replaces a portion of your income if you are unable to work due to illness or injury, maintaining your financial stability.
Critical illness insurance
Pays out a lump sum if you are diagnosed with a serious condition such as cancer or heart disease, giving you flexibility during recovery.
Family income benefit
Delivers regular monthly payments to your family instead of a lump sum, helping to maintain their standard of living.
Key person insurance
Protects your business against the financial impact of losing a key employee or executive through death or serious illness.
Shareholder protection
Allows surviving business partners to buy out shares if a shareholder dies, keeping control of the business within trusted hands.
Business loan protection
Covers outstanding business loans if a key individual passes away, helping the company stay financially solvent.
Executive income protection
Provides income protection for directors and key staff through the business, with premiums often paid tax-efficiently.
We help you assess which of these options, and others available, suit your personal or business needs and how to bring them together into one cohesive plan.