We were completely overwhelmed trying to choose the right life insurance for our family. Dave at Thornton Financial walked us through every option, explained it clearly and helped us feel confident we were making the right decision. Highly recommended!
Running a small business, I never thought about key person insurance or business protection until Thornton explained the risks. Their advice was practical, and setting up the policies was straightforward. It’s a huge relief knowing my business is protected.
When our second child arrived, we realised we hadn’t updated our life cover in years. Dan helped us review everything, recommended the right policies for our growing family and made sure the process was simple and stress-free. We now feel confident our family’s future is protected.
After a sudden illness in my team, I realised how vulnerable my business could be. Steve guided me through key person insurance and business protection plans I hadn’t considered before. Their advice was straightforward, and now I can focus on growing my business without worrying about the risks.
We use a simple 3 step process to find our clients the most suitable cover for their needs.
Insurance policies are not all generic. When you speak to one of our advisers, we’ll go through our fact-find to get a true understanding of your circumstances and which covers are most important to you.
We’ll then go to market to complete our research from the extensive panel of insurance providers we have access to. We use the information provided in the fact-find to ensure our clients get the cover they require.
Once complete, we’ll arrange a time to call you back to present our personalised recommendation. An email will be sent with the providers illustration and key features document so we can walk you through it step by step.
Thornton Financial are authorised and regulated by the FCA and advise our clients on all aspects of personal and business protection. We only work with and recommend our clients to the UK’s largest insurance providers.
In its simplest form, Life Insurance pays out a fixed sum to your family, which can be used to pay off a mortgage, cover funeral costs, or assist with everyday living expenses. By arranging a Life Insurance policy, you can ensure that you’re doing everything possible to safeguard your family’s future.
This insurance will pay a lump sum directly to the policy holder in the event of serious medical diagnosis. The 3 most common claims are for cancer, heart attack and strokes. The panel of providers we work with cover between 30-100 different medical conditions to maximise your ability to claim.
IP is like your own personal sick pay. It provides a regular, tax-free income if you are unable to work due to illness or injury. It is designed to replace a percentage of your lost earnings, typically between 50% and 70%, helping you to cover essential living costs until you’re able to return to work.
If you have a particularly active lifestyle or are medically unable to apply for an income protection policy then an accident & sickness policy is the best option. These policies provide immediate payments on broken bones, ligament tears, or other short-term conditions that may prevent you from working.
By speaking to one our advisers you’ll be covered by the Financial Services Compensation Scheme.
The advice we give our clients is completely free of charge. We never charge a penny for the services we offer.
We arrange for all policies we set up to be placed in trust, ensuring our clients receive the full benefit of tax-free claims.
Our team searches an extensive panel of the UK’s largest and most trusted insurers, taking the time to carefully compare policies, features, and benefits to ensure each client receives the most appropriate protection tailored to their individual circumstances and needs.
Thornton Financial are authorised and regulated by the FCA and advise our clients on all aspects of personal and business protection. We only work with and recommend our clients to the UK’s largest insurance providers.
This is a life insurance policy set up and paid for by a business to provide death-in-service benefits for an employee, It offers a tax-efficient way for a company to provide life cover, with premiums paid by the employer and the benefit paid to the employee’s family or beneficiaries via a trust.
This policy is set up to protect against the financial loss that could occur if a key employee or company director dies or becomes critically ill. The policy provides the company with a cash sum, helping to cover lost profits, recruitment costs, or other expenses while the business recovers.
Executive Income Protection is a type of insurance designed for company directors and key employees. It protects their income if they’re unable to work due to illness or injury. The company pays the premiums, and the employee receives the benefit if they’re unable to work.
Paid for by a business, this policy ensures stability if a shareholder dies or becomes critically ill. The policy provides funds to the remaining shareholders, allowing them to buy the deceased or ill shareholder’s stake in the company, helping to maintain control and protect the business’s continuity.
