For many of us, illness, disability, and job losses are things that happen to other people. The reality of course is that many people find themselves in precisely these and similar situations. Providing you with complete peace of mind has never been easier.

We offer the following types of protection from our panel of providers:

• Mortgage Payment Protection Insurance - A plan designed to cover your monthly mortgage payments if you are unable to work due to an accident, sickness or involuntary unemployment.

• Life Protection - Designed to help repay your mortgage if you die or become eligible for terminal illness benefit.

• Critical Illness Protection - To cover you and your family against the financial impact of a critical illness and loss of income through sickness.

• Family Protection – Designed to provide your family with additional income/lump sum if you die or become eligible for terminal illness benefit.

The Protection Procedure is an exclusive programme of Frog Financial Management where we ensure our clients are not left financially exposed should they die, lose their income or become ill or disabled.

Many clients we meet have taken action to protect themselves against some of the dangers outlined above, however these plans are either too expensive or have not been set up or structured correctly.

As clients’ circumstances change from being a single person to being married and typically thereafter to parenthood, requirements and objectives change. Through this period it is vital therefore a client’s protection portfolio mirrors these changing circumstances.

As part of The Protection Procedure Frog Financial Management ensures the following benefits are realised for their clients:

• Clients homes are protected in the event of death or critical illness

• Families are able to maintain their lifestyle in the event of an untimely death

• Provide an on-going monthly benefit in the event of ill health or disability

• Protect against personal accident, sickness or redundancy

• Ensure any award payments made are outside of the estate and therefore free from inheritance tax liability, through the effective and appropriate use of trust

The ultimate aim of The Protection Procedure is to ensure clients of Frog Financial Management are protected against areas that are likely to damage their current and future wealth.