PRIVATE CLIENT INSURANCE SOLUTIONS
Protection Relevant to Sportsmen, Media Personalities and High-Net-Worth Clients
PRIVATE CLIENT
INSURANCE SOLUTIONS
STRATEGIC PROTECTION FOR YOUR FINANCIAL SECURITY
PROTECTION FOR THE FUTURE
Specialising in bespoke insurance and financial protection solutions tailored to your individual circumstances and long-term goals.
Whether you’re planning for your family’s future, protecting your income, or addressing estate and inheritance tax liabilities, our specialist advisers can help. We deliver tailored insurance and protection solutions that support your financial security and long-term planning goals.
PERSONAL LIFE & CRITICAL ILLNESS
We know that family comes first, and that safeguarding the future security of our loved ones is a priority.
Life Insurance and Critical Illness Cover provide financial protection for individuals and their families in the event of death or a serious illness diagnosis. This type of protection can deliver a lump sum payment to help cover outstanding financial commitments, protect family finances, and provide peace of mind. By reducing financial uncertainty, it helps families focus on what matters most during difficult circumstances. By adding these layers of security, you can be prepared for whatever the future may bring.
MORTGAGE PROTECTION
Mortgage and Liability Protection is designed to help protect individuals and their families from the financial consequences of unexpected life events. In the event of death, critical illness, or disability, cover can help meet mortgage repayments and other outstanding financial obligations.
By reducing the financial burden on loved ones, this type of protection provides reassurance and long-term financial security. It helps ensure that important commitments can continue to be met when they matter most. Should death or serious illness occur, the policy will act to cover any outstanding mortgage balance.
IHT & ESTATE PLANNING PROTECTION
Planning for inheritance tax (IHT) is an essential part of protecting your wealth and securing your family’s future. As estates grow in value, IHT can have a significant impact on the assets passed to future generations.
Inheritance Tax and Estate Planning Protection provides strategies designed to help manage potential tax liabilities and preserve wealth. This approach helps ensure that beneficiaries receive the maximum benefit from an estate while supporting long-term financial planning goals. This cover is crucial for preserving the value of an estate and minimising the tax burden on heirs.
Effective inheritance tax planning starts with taking action early. The right protection strategy can help preserve your wealth, reduce potential tax liabilities, and support long-term financial security.
Our specialists provide expert guidance on IHT and Gift Inter Vivos planning. Through tailored protection solutions, we help clients protect their estates, preserve family wealth, and pass assets to future generations as efficiently as possible.
INCOME PROTECTION
Income Protection Insurance helps protect an individual’s income if they are unable to work due to illness or injury. It provides ongoing financial support during periods of incapacity, helping to maintain financial stability.
This type of protection helps cover essential costs such as mortgage or rent payments, bills, and everyday living expenses. Coverage is particularly important for self-employed individuals and contractors. With limited or no employer-provided sick pay, Income Protection can offer individuals a welcomed safety net.
MEDICAL DUE DILIGENCE
Medical due diligence is a specialist and discreet process that supports tailored protection planning. It is managed end-to-end, from the initial consultation through to the implementation of your cover. We coordinate and review all relevant medical information on your behalf. This ensures insurers receive a clear and accurate picture, helping to secure the most appropriate underwriting terms. Our approach is confidential, comprehensive, and designed to deliver a seamless client experience throughout the process.
Anonymously Risk-Profiled
Our unique approach sees us go beyond by having your medical data anonymously risk-profiled by an insurance underwriter, before directly applying for a policy.
Early Identification
Any potential health risks that may affect your coverage can be identified early, mitigating the risk of being unable to secure adequate insurance coverage.
Risk Mitigation
Through thorough medical due diligence, Sphere Assured provides you with a strategic advantage by addressing potential issue that might arise before applying for a policy.
PROTECT WHAT MATTERS MOST
OUR SPHERE OF SERVICES
Our innovative and in-depth approach is encapsulated in our market leading ‘Sphere’ of services. With extensive experience in risk management across diverse client profiles, we are well-versed in facilitating cover for businesses of any size and industry.
Our expertise and services are also built to cater towards professional sports players, media personalities along with complex and high-net-worth private clients.
SME SPHERE
Insurance Coverage for Small & Medium-sized Enterprises'
M&A SPHERE
Insurance Coverage to Protect Human Capital
PRIVATE CLIENT SPHERE
Ensuring Future Stability
PRIVATE HEALTH SPHERE
Healthcare Without the Wait
SPORTS & MEDIA SPHERE
Bespoke Protection to Suit Unique Lifestyles
RECRUITMENT SPHERE
Protecting Your Agency
GET IN TOUCH
PROTECTION CAN GO BEYOND INSURANCE
For more information on how we can help secure your future protection, get in touch with our team of insurance specialists today.
E: info@sphereassured.com
T: +44 (0)20 3468 0001