Personal protection is about looking after the people and life you love, whatever happens. It’s there to offer reassurance that if life takes an unexpected turn, you won’t be facing it alone or worrying about how the bills will be paid.
Most of us have a Plan A sorted: work hard, pay the mortgage, save a bit, and hope everything will keep ticking along. But life can be unpredictable. What if you became ill and couldn’t work? What if something unexpected changed everything? It’s not always comfortable to think about, but having the right safety net in place can make all the difference.
When planning for the future, many people want to ensure that as much of their estate as possible can be passed on to people or causes they care about, rather than being lost to Inheritance Tax. With the right planning in place, it may be possible to reduce the financial burden on your loved ones and give you peace of mind about what you leave behind.
Since 1984, we’ve been delighting clients with our honest, empathetic approach to financial planning. But don’t just take our word for it. Here, you’ll find feedback and comments from PenLife clients in their own words. See for yourself what they say about their experience with us.
of clients were satisfied that we understood their needs, aims, and objectives
of clients believe that working with us has helped or will help them achieve their financial goals
would recommend us to their friends, family, or colleagues
The most important step is our first meeting. This gives you the opportunity to get to know us, ask any initial questions, and talk openly about your circumstances. As part of this meeting, we’ll complete a fact find to help us understand your personal situation and existing arrangements. This allows us to identify what’s important to you and highlight any potential risks.
This stage may take place during the initial meeting or at a follow up discussion, depending on your circumstances. We’ll review your current position, explain the different protection options available, and help you understand what cover you already have and where there may be gaps. Once we’ve agreed on the most suitable protection for you and your family, we’ll guide you through the next steps. This may include completing health and lifestyle questionnaires, trust forms where appropriate, and any required documentation. We’ll explain everything clearly and take care of the process, ensuring cover is put in place as smoothly and efficiently as possible.
Our service doesn’t stop once your policy is in force. We provide ongoing support by checking in with you annually to ensure your protection still meets your needs. Each year, you’ll receive a clear summary of the protection policies held with us, including details such as sums assured and trust arrangements. If your circumstances change at any point, we’re here to help review and update your protection so it continues to support you when it matters most.
Hundreds of people have benefited from our expert support over the years. If you’re one of them, why not spread the word? For each of the first five referrals you make, we’ll pay you £50. For every referral after that, we’ll increase it to £100. And you can refer us to as many people as you like.
