Protecting your wealth
Could you and your family maintain the same standard of living if you were unable to work?
If the worst happened, would the right things be in place? Is your current cover actually enough, or just what you vaguely remember setting up years ago?
These are the questions most people avoid. We ask them every time.
Most people are underinsured. Many don’t find out until it’s too late.
It’s easy to assume the cover you have is fine, or that you’ll sort it out properly one day. But a serious illness, an accident, or an unexpected death doesn’t just cause grief. It can cause real financial hardship for the people left behind. The last thing your family should be dealing with at the worst moment of their lives is a money problem.
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Initial consultation
How we work with you
Discovery
We meet to understand your situation, your current financial position, your goals, and your attitude to risk. We explain our services and how we charge. This stage is always at our expense.
Strategy
Once we have everything we need, we build your bespoke financial strategy report. This includes a lifetime cash flow model of your estate, a clear picture of your financial future, year by year.
Recommendations
We arrange a meeting to present our recommendations in detail. We treat every client as we would our own family, explaining everything in plain English.
Track
Once recommendations are in place, we set you up on your Personal Financial Folder (PFF) and/or Personal Financial Portal (PFP) so you can see your financial picture at any time.
Review
We meet regularly to review your plan, check you’re on track, and make adjustments as your life or circumstances change.
How we help you protect what matters most
We work out what you actually need based on your income, your commitments, and your family, then make sure the right cover is in place at the right cost.
Protection planning isn’t about selling policies. It’s about working out what you actually need: income, mortgage, commitments, family. Then making sure the right cover is in place, at the right cost.
We’re an insurance intermediary. We act on your behalf and search the market for cover that suits your situation. Not what’s easiest to arrange, not what pays the highest commission. What’s right for you.
Most clients aren’t sure if their policies need to be written in trust. They don’t know what terms they need, or whether their level of cover reflects a real need. We go through all of it, because the detail matters when it comes to making a claim.
A policy that pays out in the right way, to the right people, at the right time, is worth considerably more than one that doesn’t. Trust arrangements, policy terms, and cover levels aren’t small print. They’re the whole point.
- Life assurance (lump sum or family income benefit)
- Critical illness cover
- Income protection
- Mortgage protection
- Whole of life plans
- Trust arrangements so benefits reach the right people efficiently
- Reviewing existing policies to check they still do what you need
For business owners, protection has its own considerations: Relevant Life policies, Key Person cover, Shareholder Protection, Executive Income Protection. These are covered on our business financial planning page.
- A clear picture of what you’re covered for and where the gaps are
- A recommendation report explaining exactly what we’re putting in place and why
- Trust arrangements sorted where needed, so benefits reach the right people without delay
- Policy terms explained in plain English, not industry jargon
- An ongoing review so if your circumstances change, your cover changes with them
You'll work with one advisor. Who knows your full picture.
Protection planning is personal. It involves your income, your health, your mortgage, your family. Your advisor needs to understand all of it, not just the products. At Chameleon, you work with the same person throughout, someone who knows your situation and can tell you honestly whether what you have is still right, or whether something needs to change.
Contact us
Get in touch
Whether you have a specific goal in mind or just want to understand your options, we're happy to have a conversation. Get in touch and we'll arrange a free, no-obligation Discovery meeting at a time that suits you.
Reach out to us:
Address
Unit 5a Marsh Ml Vlg,Fleetwood Rd N,
Thornton-Cleveleys, FY5 4JZPhone
01253 532390