Protection Advice
Protect what you've worked for. Life insurance & income protection advice in Yorkshire.
Getting the keys is just the beginning. We make sure you can keep them - and keep everything else you've built - whatever life decides to throw at you.
Book a free appointmentNo arrangement fees for protection. Unlike mortgage advice, we do not charge a fee for arranging your protection - we're paid by the insurer. You pay nothing extra.
"Your income, your home, your family - we make sure they're protected."
Hannie & Co Financial
A safety net that's built around your life
There's no such thing as a one-size-fits-all protection plan. We look at your sick pay entitlement, your savings, your mortgage, your dependants, and your budget - and build cover that fills the real gaps without over-insuring you or wasting your money.
The cornerstone of financial security.
Life Insurance
If the worst happens, the last thing your family should be worrying about is money. Life insurance pays out a lump sum or regular income when you die, ensuring your loved ones can stay in their home and maintain their quality of life without financial strain. We look at your mortgage balance, income, family situation, and existing cover to work out exactly what you need - nothing more, nothing less.
- Level and decreasing term policies
- Whole of life cover
- Joint and single life policies
- Reviewable and guaranteed premiums
A diagnosis shouldn't mean financial disaster.
Critical Illness Cover
Cancer, heart attack, stroke - a serious diagnosis can stop your life in its tracks. Critical illness cover pays a tax-free lump sum when you're diagnosed with a specified condition, giving you the financial freedom to focus entirely on your recovery. You might use it to clear your mortgage, fund private treatment, adapt your home, or simply replace lost income during a long recovery.
- Covers 50+ critical conditions with leading insurers
- Children's critical illness often included
- Combined life and critical illness policies available
- Standalone or mortgage-linked cover
Your income is your most valuable asset. Protect it.
Income Protection
Most people insure their car and their home, but not their ability to earn. If an illness or injury stops you working, how long could you genuinely pay the mortgage, bills, and all your usual outgoings from savings alone? Income protection pays a regular monthly benefit - typically 50–70% of your salary - until you return to work, or until the policy end date. It's the protection that quietly does the most work.
- Short-term and long-term income protection
- Own occupation, suited occupation, and any occupation definitions
- Deferred periods from day one to 52 weeks
- Inflation-linked and level benefit options
Protection that works as hard as you do.
Personal & Business Protection
If you're self-employed, a director, or a business owner, standard protection products often don't fit. We specialise in structuring cover for people who work for themselves - whether that's relevant life policies (a tax-efficient alternative to death-in-service benefit), key person insurance to protect your business if a critical employee is unable to work, or shareholder protection to keep business continuity if a partner dies.
- Relevant life policies (tax-efficient for directors)
- Key person / key man insurance
- Shareholder and partnership protection
- Executive income protection
We hope you never need it. We'll make sure you have it if you do.
Protection is one of the least glamorous parts of financial planning. It's also one of the most important. A 30-minute conversation with us could save your family from a very difficult situation.
Book a free, no-obligation chat