Personal Protection

Life insurance, critical illness cover and income protection are imperative to provide financial security to your family and loved ones should the worst happen. 

Could your family cope with a reduced income if you couldn't work as a result of illness or accidential injury?

Would your family be financially stable following a critical illness diagnosis or the death of a loved one?

Experiencing the loss of a loved one or following a diagnosis of a critical illness is never easy to cope with and the financial burden can cause additional heartache and stress. With a range of competitive insurance policies available, it means that coping financially following the sudden death, severe accident or critical illness of a loved one can be more manageable.

With the uncertainty of tomorrow, I strongly believe that personal protection is the initial stepping stone to your financial planning journey and should not be considered a luxury product but essential for your family's financial security.

I have access to industry-leading providers for the following protection products:

- Life Cover

- Critical Illness Cover

- Family Income Benefit (FIB)

- Mortgage Protection 

- Income Protection*

- Accident, Sickness and Unemployment (ASU).

* There are other providers of Payment Protection Insurance (Short-Term Income Protection) and other products designed to protection you against loss of income.

The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on the website,                       www.financial-ombudsman.org.uk.

Joanna Stickings trading as Certitude Wealth (FCA Number 618000) is an appointed representative of Julian Harris Mortgages Ltd (FCA Number 304155), which is authorised and regulated by the Financial Conduct Authority.

Joanna Stickings - Principal and Mortgage and Protection Adviser