Insurance & Protection

Providing one-to-one wealth management advice and support to help you plan for your future.

Tailored

Quality tailored advice, made bespoke to you and your needs.

Trusted

Bower Wealth is part of the Bower Group. With quality advice assured.

Local

Find a local financial adviser and wealth manager.

Home » Insurance & Protection

Your trusted insurance and protection advisers

Financial protection for yourself, your family and your business can make a tangible, positive difference to your life and those you care about, today and in the future.  

Through tailored services that could include Critical Illness Cover, Income Protection and Whole of Life Protection Plans, your Bower Wealth experts will help to ensure your wealth – and what matters most to you – are meticulously safeguarded. 

Planning ahead for the future

Although you’d probably list your most important assets as being your business, your home or your investments, we believe your most important asset is you. So it makes sound financial sense to ensure you are properly looked after and your world is protected. 

From ensuring you maximise the value of your pensions and savings to giving you a clear investment strategy, we will help you plan for the life you deserve.

Financial protection done right

For example, let us look at the financial impact you would experience if you were unable to work: 

As a simplified example: 

If you earned £100,000 per annum and had the usual tax allowances, you would take home approximately £67,049 (Tax year rules applied for 2023/24). If you were unable to work for 10 years due to incapacity, you would lose £670,490. You could also be missing out on pension contributions and your ability to invest, therefore, losing out on 10 years’ worth of compounded growth. Simply put, unless you have enough liquid assets to cover this loss and, more importantly, not miss it, you need to have a robust insurance policy in place. 

Talk to your experts at Bower Wealth today. We will get to understand your position in life, and what’s important to you. We can begin suggesting the most tailored, cost-efficient protection plans. 

Life Insurance

Did you know that every 90 seconds, someone in the UK gets diagnosed with cancer (Cancer Research? And every five minutes, someone is admitted to hospital with a heart attack (British Heart Foundation)? If the worst happens, the right level of Critical Illness cover will pay out a lump sum (and help you focus on getting better, knowing you do not have to worry about money). 

Critical Illness

Whilst not the most cheerful subject, Critical Illness cover can be crucial. Every 90 seconds, someone in the UK gets diagnosed with cancer (Cancer Research 2022). And every five minutes, someone is admitted to hospital with a heart attack (British Heart Foundation 2022). 

Getting the right level of cover will pay out a lump sum and will help you focus on getting better knowing you do not have to worry about money. 

Income Protection

If you become too ill to work, statutory sick pay is unlikely to meet your needs. That’s why income protection is so important. With our Income Protection plan in place, you will receive a proportion of your usual pre-tax earnings while you are out of work. (The payments you receive will be tax-free if the premiums are paid from your own personal account).  

Whole of Life

This type of policy is designed to give you cover for the rest of your life. It also helps you protect your wealth – and provide for your family – when you die.  

A Whole of Life Protection Plan ensures your family will receive a lump sum after your death. It can also be used to protect their lifestyle, living expenses, or to fund inheritance tax liabilities.

Take advantage of our Experience & Service

Things to consider: Critical Illness

Things to consider: Life Insurance

Customer Feedback

An award-winning service

Feefo Platinum Trusted Service Award 2025 Feefo Platinum Trusted Service Award 2025
What Mortgage Awards Winner – 2024
Change Maker Award Winner – 2024
Feefo Platinum Trusted Service Award 2024

Ready to Talk?

Let us help you reach your financial goals. Request a call back now.

lock-icon

Your data is safely stored and encrypted with us. Bower is authorised and regulated by the Financial Conduct Authority.

Financial protection for the future

Whether it’s your first time considering financial protection or you’re looking to review your existing plan, our wealth advisers are on hand to help you.

Before undertaking any work on your behalf, we will always inform you in writing of the cost. You will then be free to decide whether you wish to instruct us. Our fee structure will be dependent on the complexity of your situation and the work you wish us to undertake. Initial meetings are offered at our expense and without obligation. Please ask for a copy of our Client Agreement which contains details of our typical fees.

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a guide to the future. The value of current tax benefits is subject to change.