Financial Planning

Life Protection

Corporate Protection

Retirement Planning

Pensions On Divorce

Term Assurance

A straightforward practical way to protect your loved ones over a specific set term. The most cost efficient of insurance, it can be used to provide either a lump sum or a continuing regular monthly amount on the death of the life assured.

Term assurance guarantees a known lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years.


Family Income Benefit which pays an income to dependants on the death of the insured. This income is payable for the remainder of the policy term. These policies are suitable for people with young families who wish to protect against the loss of income provided by either or both parents

Critical Illness

This type of plan provides a lump sum payment on diagnosis of one of the specified critical illnesses. The list is very comprehensive, but will vary from provider to provider.

The aim of the plan is to either clear debt, or to provide a cushion against suffering one of these illnesses.

The important thing here is that payment is on diagnosis and not death.

Mortgage Protection

Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period.

It ensures your dependants need not worry about repaying the mortgage if you die.

Most lenders will recommend you put this cover in place when you take out a mortgage.

Mortgage Life Insurance has no investment element as the payment covers the balance of the mortgage. So it’s usually a simple case of the cheaper the better.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at

Income Protection

This is a plan which will pay you a proportion of your income on a regular tax free monthly basis, if you are incapacitated and unable to work due to illness or injury.

Whole of Life Assurance

Whole of Life insurance guarantees to pay out in the event of death, whenever it occurs.

This type of plan can be useful to assist in Estate Planning and can often have an investment element which helps to cover the cost of the premiums over time.

The Financial Conduct Authority does not regulate Estate Planning.


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Cardinal Financial Planning and Wealth Management Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority. Cardinal Financial Planning and Wealth Management Limited. Registered in England and Wales, under company no. 09565939. Registered office address - Unit 4 & 5 Brightwell Barns Waldringfield Road, Brightwell, Ipswich, Suffolk, England, IP10 0BJ. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK