Helping you feel financially secure, whatever life throws your way, by putting thoughtful protection in place for you, your family and the people who rely on you.
Life doesn’t always go to plan. Illness, injury or unexpected change can place real strain on your finances - and on the people who rely on you.
Having the right protection in place, whether personal, business or both, can help ease money worries at an already difficult time. Put it simply, protection is the part of your financial plan that quietly holds everything else up.
Personal protection helps safeguard your income, your lifestyle and the people who depend on you.
From support if you’re unable to work due to illness or injury, to helping your loved ones remain financially secure if the worst were to happen, we’ll help you make sense of your options and choose cover that feels right for you.
We’ll help you consider the real life ‘what ifs’. Not to worry you, but to put practical, reassuring plans in place so financial pressures don’t add to an already difficult time.
We’ll look at where the pressure would be felt first: your income, cash flow, key responsibilities, ongoing commitments and any borrowing.
From there, we’ll explore protection that could provide a financial buffer at the moment it’s needed most. That breathing space can help the business keep moving, cover costs and buy time to adapt, whether that means bringing in temporary support, reshaping roles or protecting your family’s position.
That’s a common concern. Many businesses rely heavily on one or two key people. We’ll help you identify the financial impact of losing someone vital and put protection in place so the business has funds it needs to recover and stay on track if the unexpected happens.
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.
