Life Insurance and Protection | Just Financial Planning

Protection and Insurance

Life is full of surprises, some welcome, others less so. While we can’t predict illness or loss, we can plan for the financial impact. Yet many families and business owners remain under-protected, with only a small percentage of UK adults holding income or critical illness cover. Without the right safeguards in place, an unexpected event could cause lasting financial strain.

A well-structured protection plan provides peace of mind. It helps your family maintain their standard of living, cover household costs and debts, and stay financially secure if you’re unable to work or pass away unexpectedly. Major life events such as buying a home, getting married, starting a family, or running a business often increase the need to review and strengthen this safety net.

At Just Financial Planning, we make sure you, your loved ones and your business are protected from life’s uncertainties. From life insurance and critical illness cover to income protection and key person insurance, we help build a plan that protects what matters most so you can focus on the future with confidence.

What can we help with?

Finding the right protection can be complicated, with so many providers, options and terms to navigate. That’s where our independent advice makes all the difference. We start by understanding your needs, looking at your family’s financial position, your commitments, and the level of cover that’s right for you. Then we search the whole market to find suitable life insurance, critical illness and income protection policies that offer the right balance of protection and affordability.

Once we’ve found the best options, we guide you through the application process and take care of the details, including any medical or lifestyle questionnaires. And because life doesn’t stand still, we’ll help you review your cover over time to make sure your protection continues to fit your circumstances, whatever the future brings.

Helping individuals and families answer these common questions:

Is my family protected if I were to pass away unexpectedly?
How would the mortgage and essential bills be paid if I couldn’t work due to long-term illness or injury?
Do we need more, or different, cover now we have children or have taken on a larger mortgage?
Is the protection cover I set up years ago still the right fit for my current situation?

Helping business owners navigate the following:

How would the business cope if I or a team member were to unexpectedly pass away?
If illness or injury stopped me from working, how would business operations continue any me personal income be protected?
Are our business debts protected if a guarantor is lost, or could our personal assets be at risk?

Life Insurance:

If the unexpected happened, could your family manage the mortgage, cover daily expenses and maintain their lifestyle? Life insurance provides financial security for your loved ones, ensuring they’re protected if you’re no longer here.

Critical Illness Cover:

A serious illness can turn life upside down, both emotionally and financially. Critical illness cover provides a lump sum on diagnosis, helping you focus on recovery rather than worrying about bills or lost income.

Income Protection:

If illness or injury stops you from working long-term, income protection can replace part of your earnings each month. It helps you stay financially stable, covering essential costs while you get back on your feet.

Key Person Insurance (for business owners):

Every business has people it relies on. If a key team member becomes seriously ill or passes away, it can cause major disruption. Key person insurance helps protect your company’s finances and stability during difficult times.

Testimonials

This is what our clients think of us...

We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.

Chris

Retirement Advice

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market that match your situation. There are thousands to choose from, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.

More about our fees

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK 2025. You have the peace of mind that your finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

How it works

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Do you have complete peace of mind that you and your loved ones are financially protected?

Book your complimentary consultation

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Compliance

Just Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Just Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 477571. Registered in England & Wales, Company Number 6453011.

Registered Office address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA.

Trading address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA. Telephone: 01603 266333

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

Independent Chartered Financial Planners

Protection and Insurance

Protection and Insurance

What can we help with?

Helping individuals and families answer these common questions:

Helping business owners navigate the following:

Life Insurance:

Critical Illness Cover:

Income Protection:

Key Person Insurance (for business owners):

This is what our clients think of us...

Why choose us?

The right products for you:

Competitive fees:

Our expertise:

How it works

Step 1

Step 2

Step 3

Do you have complete peace of mind that you and your loved ones are financially protected?