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Protect Your Families Future

FAMILY SHIELD FINANCIAL LTD

Why Choose Us?

We take a personalized approach to insurance. Our goal is to understand your unique circumstances and needs, so we can provide you with the best possible coverage. Our team of specialist advisors are dedicated to working with you to design a custom insurance package that meets your individual requirements. With us, you can have peace of mind knowing that you have the right insurance coverage for your specific situation.

OUR SERVICES

Protecting You And

Your Loved Ones

Services

LIFE INSURANCE

Protect your loved ones from the financial impact of losing you with Life Insurance. In the event of your passing, Life Insurance provides a lump sum payment to your family to help them manage their financial obligations.

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Life Insurance:

 

  • Pays out a lump sum if you die

  • Can be written into trust as needed

  • Covers diagnosis of a terminal illness

  • Flexible coverage options based on your specific needs and circumstances

  • Option for whole-of-life coverage

 

Life Insurance provides peace of mind, knowing that your family will be taken care of financially should anything happen to you.

FAMILY INCOME BENEFIT

Family income benefit is a type of Life Insurance where it will pay out a regular monthly income to your loved ones for the duration of the policy in the event of your death.

 

Family Income Benefit: 

 

  • ​Pays out a monthly income in the event of your death. 

  • Pays out if diagnosed with a terminal illness. 

CRITICAL ILLNESS COVER

Protect yourself and your family from the financial impact of a critical illness. If you are diagnosed with a specified critical illness such as Cancer, Heart Attack, or Stroke, our policy provides a tax-free cash lump sum to help you cover the costs of recovery.

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Critical Illness Cover:

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  • Pays out upon diagnosis of a specified critical illness

  • Helps with health-related expenses, monthly bills, and lost income during recovery

  • Coverage for a range of critical illnesses, depending on the policy you choose

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Critical Illness Cover is designed to provide you with financial support during a difficult time, so you can focus on your recovery without worrying about the impact on your family's finances.

CHILDRENS CRITICAL ILLNESS COVER

This cover offers financial protection for your child in the event of a critical illness diagnosis, including cancers and other specific children's critical illnesses. This policy provides a tax-free cash lump sum to help you cover the costs of medical treatment and other expenses that may arise.

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Childrens Critical Illness Cover:

This is an additional to Critical Illness Cover and not a stand alone product.

 

  • Pays out upon diagnosis of a specified children's critical illness

  • Helps with health-related expenses, monthly bills, and lost income while your child is in recovery

  • Coverage for a range of critical illnesses, depending on the policy you choose

 

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Includes a child death benefit in all children’s critical illness policies.

MORTGAGE PROTECTION LIFE INSURANCE

Can be taken on a decreasing or level basis depending on the mortgage taken out.

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Mortgage Protection:

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  • ​Runs inline with current mortgage

  • Terminal illness included

  • Can be taken out on a sole or joint basis

INCOME PROTECTION

This policy provides financial support if you are unable to work due to illness, ailment, or injury, ensuring that you can cover your monthly expenses and living costs.

 

​Income protection offers a range of waiting periods based on your current sick pay arrangement

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Income Protection:

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  • Short-term and long-term benefit periods available

  • Coverage until your anticipated retirement age

  • Options available for a variety of occupations, hobbies, and pastimes

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Whether you're self-employed or have limited sick pay, our Income Protection policy can give you peace of mind knowing that you're financially covered if you're unable to work.

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PRIVATE HEALTHCARE INSURANCE

Health insurance, often called private medical insurance, is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. - You will pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

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Private Healthcare Insurance:

 

  • ​Choice of consultant

  • Fast access to private medical treatment

  • Flexible cover to suit your needs

  • Access to a wide range of hospitals

  • Access to latest drugs and treatment

  • Comfort and privacy at a time when you need it most

FUNERAL COVER

We understand that thinking about funeral costs can be difficult, but planning ahead can help alleviate some of the financial burden that your loved ones may face. At Family Shield Financial, we offer funeral cover to give you and your family peace of mind.

 

This policy provides a lump sum payment that your family can use to pay for your funeral expenses, so they don't have to dip into their own savings or use family funds to cover the cost of your final farewell.

 

We hope that our funeral cover policy gives you comfort knowing that your family will be financially protected during a difficult time.

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Funeral cover services are referred to a third party. Neither Family Shield Financial Ltd nor PRIMIS are responsible for the service received

WILL WRITING

A will writing service which makes this often expensive and time-consuming task simple. You may not think you need one if you are fighting fit, though if you do pass away without a will in place, your possessions will be allocated under general rules and that may not align with your wishes. Get in touch with us today for all your will-related queries.

 

​Wills and will writing are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them. These will be referred to a third party.

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Wills and will writing are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them. These will be referred to a third party

MORTGAGES

We are here to give you specialist advice on all your mortgage needs. Working with over 70 lenders, we can find the perfect mortgage for you. Whether you’re looking for a new build property, general mortgage, or a first-time buyer with help to buy, you’re in the right place. Call us and make that first step towards your dream home today.​

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We are not authorised to provide advice on Mortgages but can introduce you to a qualified third party.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

The Financial Conduct Authority does not regulate most Buy to Let Mortgages​

About Me

MY NAME IS ZOE RICHARDS

Before starting my career in financial services I worked in the Cosmetology industry, having always had a passion for helping people in some way, shape or form. I have a great desire for helping families have that financial security in place should the worst happen especially with being a mother myself.

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Outside of financial services I home educate my children alongside my husband and we love to socialise with friends and family. We enjoy our holidays and take regular adventures, usually spur of the moment.

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One of the things that I find most fulfilling about my job is the opportunity to connect with new people and strengthen existing relationships. As I work with my clients to create customized protection plans, I take pride in knowing that I'm providing them with the best possible coverage to meet their unique needs. Knowing that I'm making a difference in people's lives by helping to secure their financial future is incredibly rewarding, and it's what motivates me every day

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The Process

WHAT HAPPENS NEXT?

Our Personalised Process Is Designed For You...

  • We arrange a time that’s best for you to have a free no obligation consultation call.

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  • We discuss your circumstances and design a package to suit yours and your family’s needs.

 

  • We like to offer our personal time to make sure no stone is left unturned and your options are a perfect fit for your circumstances and requirements.

 

  • The cover is then arranged, so you and your family have peace of mind, and you're regularly reviewed to ensure the cover always matches your requirements. Should the unthinkable happen, help, guidance and support is always on hand to facilitate a successful claim.

Happy Family
Testimonials

OUR HAPPY CLIENTS

"Zoe sorted our insurance out for us and nothing was too much trouble.
Any questions we had was answered and she has made sure we have the best possible cover at the best price. I wouldnt use anyone else and always reccomend her and her company to others. Even now any questions i have Zoe is always just a message away and responds promptly.

Samantha Perks 

Contact

CONTACT

Get In Touch...

West Midlands House, Gipsy Ln, Willenhall WV13 2HA,

United Kingdom

info@familyshieldfinancial.co.uk

Tel: 01902475676

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