Janine Taylor
Contact

Protection

Life, Critical Illness & Income Protection to give you peace of mind for the future.

Life Assurance

Level term or mortgage protection – we can review all your options.

I take a detailed look at your personal circumstances to ensure you and your family have the right protections in place, giving you peace of mind.

Critical Illness Cover

Critical Illness Cover is a type of life assurance that pays a tax-free lump sum should you be diagnosed with a specified critical illness. 

You can choose what to spend the money on – paying off your mortgage, paying for household adaptations or for extra medical care – the choice is yours.

Income Protection

If you are self employed or a contractor, you are unlikely to receive any money if you are unable to work when sick or injured.

Have you considered how long you can pay your mortgage and cover bills if you are not working? Income Protection is there to cover these unexpected eventualities.

Protection Advice

Protection is about making sure you and your family are financially secure if life does not go to plan.

We provide independent advice on a wide range of personal protection options, helping you put the right cover in place for your circumstances, priorities and budget.

How protection can help

Many people insure their car, their phone and their home, but not their income or their family’s lifestyle.

If you were unable to work due to illness or injury, or if the worst were to happen, protection helps ensure your mortgage, bills and everyday living costs can still be covered. It provides peace of mind that your family would be financially supported when they need it most.

This is particularly important for contractors, self-employed workers and families who may not have the safety nets that come with traditional employment.

Types of protection I can help with

Depending on your needs, I can advise on:

  • Life Insurance
    Provides a lump sum for your family if you die

  • Critical Illness Cover
    Pays a lump sum if you are diagnosed with a specified serious illness

  • Income Protection
    Replaces a portion of your income if you cannot work due to illness or injury

  • Family Income Benefit
    Provides a regular income for your family if you die

  • Private Medical Insurance
    Offers faster access to private treatment

  • Relevant Life Cover (for company directors)
    A tax-efficient way to provide life cover through your business

Advice is always based on your personal situation rather than selling specific products.

How my protection advice works

I keep the process clear, personal and jargon-free:

  1. I review any existing cover you may already have

  2. I assess your income, commitments and family needs

  3. I recommend suitable protection based on your priorities and budget

  4. I explain everything clearly so you can make informed decisions

  5. I help you review and update your cover as your circumstances change

Nationwide and International Support

We are based in Kent but support clients across the UK and internationally, using phone, video and secure online systems.

We regularly work with clients in London, Manchester, Birmingham, Leeds, Bristol, Scotland and internationally.

Important note for overseas and non-UK clients

Advice can only be provided when both you and your adviser are physically in the UK at the time the advice is given.

For overseas clients, expats and foreign nationals, eligibility for advice depends on your residency status, visa type and how long you expect to remain in the UK. In some cases, advice may only be available if you return to the UK to receive it.

We cannot provide advice to clients who are resident overseas at the time of advice, or where regulatory restrictions apply. All advice is based on UK residency and UK lending rules, and specialist advice may be required for overseas or foreign national clients.

Please contact us to confirm whether advice can be provided in your circumstances before proceeding.

Let's get started...

Whether you’re looking for assistance with your mortgage, a review of your protections or life insurances, or understanding what’s available for your business, I’m here to help. 

Janine Taylor
Email: Janine@lawtonfs.co.uk
Call: 07900 224707

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What you need to know

Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.