Protection
- Protect What Matters Most – Your Family, Income & Home
- Tailored Advice on Life, Critical Illness & Income Protection
- Independent Guidance to Give You Complete Peace of Mind
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Protection Insurance – Safeguard What Matters Most
Life is full of surprises — some wonderful, others challenging. While you can’t predict the future, you can prepare for it. At L & K Financial, we believe that sound financial planning isn’t complete without the right protection insurance in place.
Whether you’re safeguarding your family, your home, or your income, the right cover can give you peace of mind knowing you’re financially protected if the unexpected happens.
Why Financial Protection Matters
Protection insurance ensures you and your loved ones remain financially secure when life takes an unexpected turn. It’s not just about money — it’s about stability, security, and peace of mind.
At L & K Financial, we regularly meet clients who only think about protection after a major life event or health scare. But the best time to put cover in place is before you need it.
Here’s how different types of protection can make a lasting difference:
- Life Insurance – Provides a tax-free lump sum for your loved ones if you pass away, helping them maintain their lifestyle and cover essential costs.
- Critical Illness Cover – Offers a one-off payment if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke — allowing you to focus on recovery rather than finances.
- Income Protection Insurance – Replaces a portion of your income if you’re unable to work due to illness or injury, helping you stay on top of your regular outgoings.
- Mortgage & Family Protection – Ensures your loved ones can remain in their home and continue their plans without financial pressure.
Speak To an Expert
Protect What Matters Most – Your Family, Income & Home
Tailored Protection Advice
No two clients are the same — and neither are their protection needs. That’s why we take a personalised approach to every protection review.
At L & K Financial, we’ll:
- Take the time to understand your unique circumstances and priorities.
- Assess your current cover and identify any gaps.
- Recommend suitable protection plans that balance affordability with comprehensive coverage.
Our advice is always clear, transparent, and focused entirely on your best interests. We’ll also review your plans regularly to make sure your protection evolves with your life.
Protect Today. Plan for Tomorrow.
Protection insurance is about more than financial planning — it’s about safeguarding the people and things you care most about.
Speak to L & K Financial today for friendly, expert advice on life insurance, income protection, and critical illness cover. We’ll help you create a safety net that gives you confidence and security for the future.
FAQ Protection
Protection insurance refers to a range of policies designed to provide financial security if something unexpected happens — such as illness, injury, or death. It includes life insurance, critical illness cover, and income protection, helping ensure you and your loved ones are financially supported when it matters most.
Protection insurance gives you peace of mind knowing that, if the worst happens, your family won’t face financial hardship. It can cover mortgage repayments, household bills, and day-to-day living costs, so you can focus on recovery or your loved ones can focus on what’s important.
The right level of cover depends on your circumstances — including income, debts, dependants, and lifestyle. At L & K Financial, we’ll assess your situation in detail and recommend a solution that’s affordable, comprehensive, and tailored to your needs.
Yes. Many people choose to hold multiple policies to cover different needs — for example, life insurance for family security and income protection to cover monthly bills. Our advisers can help you combine policies effectively so your protection plan works as one.
Life insurance covers death from most causes, while critical illness cover pays out for a specific list of conditions defined by your insurer. We’ll always explain exactly what is and isn’t covered before you take out a policy, so there are no surprises later.
We recommend reviewing your protection every 12–24 months, or whenever you experience a major life change — such as buying a home, having children, or changing jobs. At L & K Financial, we offer ongoing reviews to make sure your protection continues to meet your needs
Not necessarily. Many people are surprised at how affordable the right cover can be — especially when policies are tailored to your exact needs. Our role is to make sure you’re getting the best possible protection for your budget.
In most cases, yes. Some insurers may charge higher premiums or apply exclusions, but our advisers work with a wide range of providers to find the best possible terms for your circumstances.