Financial Protection
Make sure the life you’re building isn’t derailed by unexpected events
If illness, injury, redundancy or worse struck tomorrow — would your family, lifestyle or plans be protected? Financial protection ensures that no matter what life throws at you, your family, home and future remain secure.
How We Help People Who Require Financial Protection
At Lucent, we help individuals, families and business owners build protection strategies that safeguard what matters most — income, health, family, and peace of mind. Whether it’s life insurance, critical illness cover, or income protection, we’ve got you covered.
Our financial protection advice is seamlessly woven into your broader financial plan, so you can enjoy today knowing tomorrow’s taken care of. Because peace of mind? That’s priceless.
Why Most People Underestimate the Risk
Without solid financial protection, you’re rolling the dice with your future—and the stakes are high.
- Life changes fast. A serious illness, redundancy, or accident can turn life upside down — often without warning.
- Many think savings or pensions will cover it — but those often can’t be accessed quickly (or tax-efficiently), or may be insufficient.
- Business owners and self-employed earn irregularly — so a gap in income or illness can have major implications for family and lifestyle.
- Without a safety net, you risk losing more than money — stability, plans, lifestyle, dreams.
Protection isn’t about waiting for disaster. It’s about ensuring you’re not rebuilding from scratch if the worst happens.
What Protection Covers — and What You Really Get
With the right plan, financial protection can cover:
- Life cover — a lump sum on death to secure your family’s financial future
- Income protection — regular income if illness or injury prevents you from working
- Critical illness cover — lump-sum payout if diagnosed with serious illness, helping with medical costs or lifestyle adjustments
- Family income benefit — regular payments over time rather than a one-off lump sum, giving ongoing support for dependants
- Business-owner specific cover — protection for you, your business and your family when income depends on business performance or continuity
What this means in real life:
- Your mortgage, bills and lifestyle can continue even if you can’t work
- Your loved ones are provided for, long-term — not just immediately
- You avoid draining savings or investments in a crisis
- You protect your business and family from income shocks or unexpected events
- You sleep easier, knowing there’s a plan in place
How We Build Your
Protection Plan — Step by Step
1. Understand Your Life, Income & Risks
We begin with a friendly, confidential conversation — about your work, lifestyle, family, income patterns, savings, business (if relevant).
2. Map Out What Needs Protecting
We look at your income, debt, dependants, future goals — and identify where risk could impact what matters most.
3. Design the Right Protection Mix
We build a tailored plan that may include life cover, income protection, critical-illness cover, family income benefit or business-owner solutions — whichever fits your life, not a generic template.
4. Implement & Explain Clearly
We help you choose regulated, transparent protection products — making sure you understand what’s covered, how it works, and when.
5. Review & Adapt Over Time
As life changes — career shifts, children, business growth — we’ll revisit and update your protection plan to keep it relevant.
Who Needs Financial Protection
We tailor each plan to your situation — because protection is personal.
Individuals & Families
You want to ensure that illness, job loss or death doesn’t leave your family, home or plans at risk.
Business Owners & Self-Employed
Your income depends on business performance. You want to secure income, protect your family and make sure the business doesn’t jeopardise your lifestyle if you’re unable to work.
Anyone with financial responsibility, dependants or long-term goals
Whether you have a mortgage, want to support children, or plan retirement — a protection plan safeguards the pathway, whatever happens.
Why Clients Trust Lucent for Protection Advice
- Independent & Regulated Advice — we recommend from the whole UK market, never tied to one insurer or product provider.
- Holistic Approach — protection isn’t a bolt-on. It fits with retirement, investment, estate and tax planning: everything connects.
- Clear, jargon-free communication — we explain what protection means in real terms, not insurance-speak.
- Tailored, flexible plans — you get protection that fits your life and adapts as things change.
- Ongoing support — we don’t disappear once a policy is set. We revisit, review and ensure protection remains relevant.
Ready to protect your financial future?
With Lucent’s expert guidance, you can rest easy knowing that your family, your business, and your future are fully protected. Contact us today for a comprehensive financial protection plan that’s integrated into your full financial strategy.
- Do you want to protect your home, lifestyle, savings and future plans from unexpected risk?
- Do you need advice on insurance policies to safeguard your income and assets?
- Does your income depend on self-employed work or business performance
- Would you like to ensure that your financial protection plans are aligned with your overall financial strategy?
If you answer yes to the above, get in touch.
FAQs
Yes. Savings can offer some security, but a life insurance policy ensures your family has the financial support to cover big expenses like mortgages or education costs without depleting your savings.
Business owners need personal and business protection, including key person insurance, income protection, and shareholder protection to keep the business secure during unexpected events.
Financial protection is fully integrated into your financial plan, complementing your investment, tax, and estate planning strategies to ensure complete security for your wealth and well-being.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.