Life & Critical Illness

We offer a comprehensive range of protection products that are tailored to your individual needs and circumstances. We search extensively to find the most competitive terms ensuring that our solutions are structured effectively to suit your requirements.

Our experienced advisors offer free and impartial advice without obligation. Call us today to discuss your requirements in complete confidence.

  • Decreasing Life Assurance & Mortage Protection solutions
  • Whole of Life policies for long term certainty
  • Extra protection in the event of a critical illness
  • Tax deductible Relevant Life policies offering significant savings
  • Level Term Life insurance with lump sum benfits

Health & Medical Insurance

We offer Health and Medical Insurance solutions for you, your business or both.

Policies can differ significantly so your choice of provider is paramount to ensure of the adequacy of cover, we back up our service with expertise and offer reliable professional advice. Acting independently, we will find you the best solutions based on your exacting needs and circumstances.

  • Group Health & Medical Insurance for your business
  • Personal Health & Medical Insurance for your individual needs

Keyman Insurance

We search extensively from the market and offer solutions to reflect the needs of your business, big or small.

Speak to one of our experienced advisors today to find out how we can help to protect your key assets.

Who should you protect?

  • Key Staff with specialised knowledge
  • Crucial members of your sales team
  • Key client account managers
  • Managerial staff and shareholders

Shareholder/Partner Protection

Shareholder or Partner Protection is an essential insurance policy providing a safety net for your business following the death or illness of a shareholder or partner. Protection provides for financial security, business stability and continuity.

How can we help?

  • We provide essential life cover for each director or business partner
  • We can place policies in trust to eliminate any tax implications
  • We offer cross-option agreements to create additional

Speak to one of experienced advisors today to explore the options for your business. We search extensively to provide the most effective solutions at the most competitive terms.

Income Protection

Our experienced advisors offer impartial professional advice based on your individual requirements.

Call us today to discuss your needs in confidence.

  • Accident, Sickness & Unemployment (optional), reviewed annually
  • Income Protection benefits, fixed over a longer term

Wills & Trusts

Will writing is often overlooked but it is a relatively easy process with the support of professional advice, and we can help. Our experienced advisors offer free and impartial advice without obligation.

For a straightforward approach to writing a new will or updating an existing will; call us today to discuss you requirements in confidence.

We can also assist with the placement of Life Insurance policies into a trust, this helps to avoid family heartbreak and significant delays when dealing with Life Insurance claims.

There are many different types of trust so good advice is essential, we offer a free professional service with experienced support throughout the term your policy. Call us today for further details.

  • Independant Professional advice
  • Tried and trusted will writing services
  • Placement of policies into trust, at no cost to you
First Point Insurance Management Ltd, registered in England No. 3521771. First Point Financial Management Ltd, registered in England No. 9444714. Registered Office: Lakeview House, 4 Woodbrook Crescent, Billericay, Essex CM12 0EQ. First Point Insurance Management is authorised and regulated by the Financial Conduct Authority, registered number 310158. First Point Financial Management is a trading style of Lifetime Financial Management Ltd. Lifetime Financial Management is authorised and regulated by the Financial Conduct Authority, registered number 448415. Lifetime Financial Management Ltd is registered in England and Wales No. 3652194. Directors: P Merrigan, U Ozturk, C Last. Registered Office: 12-14 Upper Marlborough Road, St Albans, Herts AL1 3UR