Protecting the things that matter most.
Protection insurance is not just a safety net for the unexpected, it’s the shield that allows you to navigate life’s uncertainties with confidence and peace of mind.
Welcome to A-One Protection.
With a broad range of products from Life, Shareholders Protection and Key Person Insurance to Private Medical, Group Risk and Cash Plan policies we’re able to advise and put in place a solution that will provide complete peace of mind.
Our personal clients have their health, income and families protected and businesses are insured to mitigate the financial impact of a death or illness to their key people and shareholders. We can help put in place cost effective employee benefit packages so you have the advantage to attract and retain the best people to your workforce and look after their physical and mental wellbeing.
Our technical knowledge of insurance trusts ensures funds from policies are paid quickly, directly to your chosen beneficiaries and in a tax efficient manner.
We’re always happy to talk over your needs whether it be at your office or ours, at home or over the telephone. Let us know what your concerns and objectives are and we’ll tailor a solution to ensure you’re protected.
Personal Protection Insurance
Insurance that provides financial protection to individuals and their families against unexpected events such as illness, disability, or death.
Business Protection Insurance
Insurance that provides financial protection to businesses against unexpected events such as the death or critical illness of key employees or business partners.
Employee Benefit Schemes
Are additional perks or benefits provided by employers to their employees beyond their salary or wages.
What is Health and Protection Insurance?
We insure the things that matter most to you.
Health and protection insurance provides coverage for individuals or businesses against unexpected events that may affect their health or income.
For personal health and protection insurance, policies can include health insurance, critical illness cover, income protection insurance, and life insurance. Health insurance covers medical expenses, hospitalization costs, and treatments for illnesses or injuries. Critical illness cover provides a lump sum payment if the policyholder is diagnosed with a specified critical illness. Income protection insurance provides a regular income if the policyholder is unable to work due to illness or injury. Life insurance provides a lump sum payment to the policyholder’s beneficiaries in the event of their death.
For business health and protection insurance, policies can include group health insurance, key person insurance, and business loan protection. Group health insurance provides coverage for employees’ medical expenses and treatments. Key person insurance provides financial protection to the business in the event of the death or critical illness of a key employee. Business loan protection provides coverage for business loans in the event of the death or critical illness of a business owner or key employee.
The purpose of health and protection insurance is to provide financial security and peace of mind to individuals and businesses in the face of unexpected events that can have a significant impact on their health or income.
Protection insurance provides several benefits to businesses and individuals, including:
- NFinancial security: Protection insurance provides financial security to policyholders and their loved ones or business partners in the event of unexpected events such as illness, disability, or death.
- NPeace of mind: Protection insurance provides peace of mind to policyholders, knowing that they and their loved ones or business partners are financially protected in the event of unexpected events.
- NCovers various risks: Protection insurance covers a wide range of risks, such as illness, disability, critical illness, death, and loss of income, providing comprehensive coverage to policyholders.
- NTailored to individual needs: Protection insurance policies can be tailored to suit the individual needs of policyholders, ensuring that they have the right level of coverage for their specific circumstances.
- NTax benefits: In some cases, protection insurance policies can offer tax benefits, such as tax deductions on premiums or tax-free payouts.
- NEnhances financial planning: Protection insurance can enhance financial planning by providing a safety net that allows individuals and businesses to plan for the future with confidence, knowing that unexpected events are covered.
Speak to us about protecting what matters most.
We're experts in what we do and will provide a solution tailored to you and your requirements. Our team of experts will work closely with you to find the right coverage at the right price. Get started today.
Frequently Asked Questions
Why use an insurance broker?
Where using a broker is different is that WE can tell you what we feel would be best suited for your needs and make a suitable recommendation.
When insuring your life, your health and your income you want to make sure you have the correct cover in place - let us ensure this happens.
What types of protection insurance are available?
There are several types of protection insurance, including life insurance, critical illness insurance, income protection insurance, and accident insurance.
How much does protection insurance cost?
A bit of a cop out right! But it's true, it depends hugely on the cover you require.
Life Insurance can be as little as £x per month and health insurance can start from £x per month.
One thing you can be sure of is that we work on a whole of market basis, we're not tied to one or two insurers and we will source you the very best cover for your needs whether it's £x a month or £x.
All of our advice to you is free of charge whether you take a policy with us or not, no obligation and all that.
Who needs protection insurance?
Anyone who wants to ensure that their financial obligations are met in the event of unforeseen events should consider getting protection insurance.
How much protection insurance do I need?
The amount of protection insurance you need will depend on your personal circumstances and financial obligations. You should consider your debts, living expenses, and the needs of your dependents when determining how much coverage you need.
What is the difference between terminal illness and critical illness?
Terminal illness will pay a lump sum of money if you are diagnosed with 12 months or less to live. This is included as standard on all good Life Insurance policies.
Critical Illness cover pays a lump sum if you are diagnosed with a specified critical illness during the lifetime of your policy. You won't necessarily die from the illness but it'll certainly have a huge impact on your life. The 'big three' most claimed upon are for Cancer, Heart Attack and Stroke.
Should I place my policy in trust?
Even if inheritance tax (or any other tax for that matter) isn't a concern, the speed in which your beneficiaries receive the monies from your policy is increased hugely, it can literally be years in certain cases where probate is involved and a policy isn't written in trust.
Any broker worth their salt would recommend this. If they don't, ask yourself why.
Which health insurance policy is the best?
We don't do 'off the shelf' policies and we'll never want to.
The best policy will very much be based on your own circumstances but, rest assured, we'll be able to ensure you have a policy that's completely tailored to your needs.