Whether it’s a large company, small SME or an individual our mantra at Just-Protect is the same – one size definitely doesn’t fit all.
We firmly believe that to do the right job for all our clients it is vital that we spend as much time as is necessary to fully understand your circumstances and objectives.
We always initially meet with clients online or face to face at least twice – once for an initial introduction and fact-finding meeting and secondly to present our recommendations.
The second meeting ensures our clients have a full understanding of the advice given, our recommendations and how the recommended policy(s) work.
We always follow a 6-stage process:
1. Fact Finding
Whether and individual or a business we thoroughly look at each client’s specific situation, their current commitments and financial responsibilities
2. Design
Armed with information gathered at the fact find we design a bespoke protection solution, specifically tailored to circumstances and need. The solution will often use a blend of different policies from different providers so a truly comprehensive plan can be implemented.
3. Research
Not one provider will have the best offering for every contract, so we research the providers to evaluate core and peripheral benefits of each of their policies from the whole protection market.
4. Report & Recommendation
We will draft and present to you a detailed report showing our findings as well a written recommendation to address the identified needs. This will include the recommendation of trusts where necessary as well as advice on compliance with HMRC tax guidance depending on how the cover is to be structured.
5. Implementation
Once the recommendations are fully agreed we will submit applications, chase underwriters and doctors and keep you fully informed throughout the process until policy documents are issued, checked and approved.
6. Review
There is change in everyone’s lives and it is important to ensure that protection planning reflects changes in circumstances. So when circumstances change, call us and we can review any contracts and adapt plans to reflect changes.
We feel that a true, long lasting client relationship is two-way.
We like to hear from clients whatever the issue!!
No adviser can be an expert in all areas. Just-Protect‘s focus is entirely protection based. However, it is important to ensure that the design of any protection cover dovetails with other aspects of financial planning, as well as wills and estate planning.
In circumstances where this happens Just-Protect will draw upon the expertise of other highly qualified and experienced individuals to deliver targeted, collaborative solutions where necessary.
