Protection

Give your loved ones financial security

No one likes to think about the future and what it might look like when you’re gone. Putting in place that all important protection insurance to ensure your family are covered in the event of an illness or your death, is critical to ensure all your hard work now, protects your loved ones later.

At Downton and Ali we understand that one size doesn’t fit all. Circumstances differ depending on your family setup, wealth and who you need to protect.

Brian Downton is your local Protection Champion in Dartford and the surrounding areas. He has a wealth of experience and has won several local awards for his contribution to the local community through fundraising and sponsorship.

Downton and Ali care about ensuring you get the right cover for your specific needs, so we always take the time to get to know you personally, understand your circumstances, your financial commitments, and your future plans. Once we fully understand your protection insurance needs, we will help you find the right product for you and your family.

Parents and child holding paper family figures on gray background, top view. Space for text

Call Downton and Ali on 020 3021 0075 or email us at brian@downtonandail.co.uk

Where to next?

Life Cover

Life cover, also known as life insurance protects your family when you’re gone. It helps you ensure that they can continue to live their lives in the same way they do now.

Do I need life cover?

There are a range of reasons that life cover should be put in place. It’s all about making sure your family’s lifestyle isn’t adversely affected if you die. Perhaps there are mortgage payments to cover, or your children want to go to university and need financial support while they do so. We can help you ensure you have the right life cover for your family and give you peace of mind.

For more information please read our Life and Protection Insurance Guide.

Critical Illness

While it’s very easy to see why you’d need life cover, we rarely consider the impact on our lives and financial situation in the event of a life changing illness. This is where critical illness cover comes in. Should you be diagnosed with a qualifying serious illness and survive the minimum period, critical illness protection will pay out a lump sum.

At Downton and Ali, we specialise in critical illness insurance which can help you cover the costs that may be associated with medical treatment, the possibility of having to give up work or even having to relocate to more suitable accommodation.

Accident Protection

If you work in an industry with greater risk, or you are an amateur sports person, personal accident protection will pay out a tax free lump sum in the event of a specified injury. It will also cover hospital stays.

Downton and Ali have access to MetLife to offer personal injury insurance.

Please note, this policy is available to anyone within certain age limits and is not underwritten. It is particularly useful for:

Health service workers
Amateur sports players

Income Protection

Protecting your income is probably one of the most important forms of insurance cover. What would happen if you became unwell or were injured? Income protection insurance covers your salary on a monthly basis while you are unable to work.

A waiting period applies to any disability claim. This is a form of insurance excess. The waiting period is chosen by the insured person and is the number of days they have to be permanently disabled before income benefits can start to be paid. The usual waiting period options range from 28 days to 12 months but in the event of a claim, benefits could be paid until retirement age.

At Downton and Ali, we can help you look at any existing cover you have in place and whether it’s fit for purpose, or we can help ensure you find the right income protection policy to sufficiently cover your financial commitments if you are unable to work.