Life’s a lottery. You never know when your number’s up.

AALTO recommends True Protect to ensure our clients have the right cover in place for their needs. Protection is a sensitive and complex topic and so we were careful about who we partner with to provide the specialist advice you need. We are confident you are in excellent hands with Vicky and the team at True Protect.

True Protect specialise in protecting you, your loved ones or your business from the what if’s in life. We offer advice to help you find the most suitable possible insurance policy.

Personal protection includes Life Insurance, Family Income Benefit, Mortgage Protection, Critical Illness Cover / Critical Illness Cover for Children, Income Protection and Rental Protection.

Business protection includes Relevant Life Insurance, Key Person Insurance, Shareholder Protection Policies, Executive Income Protection and Business Loan Protection.

Personal Protection

Securing the appropriate insurance coverage is crucial for safeguarding yourself and your family in unforeseen circumstances. Our Protection Specialists provide informed counsel on personal financial protection, identifying the right insurance solutions tailored to your or your family’s unique requirements.

Life Insurance

Life Insurance serves as a financial safeguard, activated upon your passing or the diagnosis of a terminal illness with less than a year to live. The policy is designed to disburse either a lump sum or monthly payments. The intent behind such a plan is to mitigate the financial strain that your absence could inflict on your family or close ones.

Family Income Benefit

Family Income Benefit Insurance Policies activate upon your demise or a terminal illness diagnosis, offering a consistent income stream to your household. Payments are distributed either monthly or annually for the policy's duration, rather than in a single lump sum. This approach is tailored to provide your family or loved ones with a more manageable financial landscape in your absence.

Mortgage Protection

Mortgage Protection is a specialized form of life insurance, aligned with the duration and amount of your mortgage commitment. In the event of your passing or the diagnosis of a terminal illness with less than a year to live, it triggers a cash payout. The primary aim of Mortgage Protection Insurance is to enable your family or loved ones to settle the mortgage debt, alleviating financial pressures in such challenging times.

Critical Illness Cover

Critical Illness Cover is a versatile insurance option, compatible with Life Insurance Cover or as a standalone policy. This particular coverage offers a lump-sum payment upon diagnosis of a pre-defined critical illness. The primary function of Critical Illness Insurance is to alleviate the financial burden on you and your family or loved ones during your recovery period.

Income Protection

Income Protection Insurance is a specialized policy designed to provide financial support if an accident, injury, or illness prevents you from working. This coverage aims to alleviate the financial burdens on your lifestyle, by disbursing a regular monthly sum to assist with your routine monthly expenses while you're sidelined from work.

Relevant Life Cover

Relevant Life Insurance Plans aim to furnish an employee's family with a lump-sum payment in the unfortunate event of the employee's death or terminal illness while under the company's employment. Such Relevant Life Cover empowers an employer to extend individualized death-in-service benefits to their workforce. From a tax perspective, this is advantageous; HMRC views the premiums as an allowable business expense. Structured in a trust, the disbursement bypasses inheritance tax, ensuring a more financially stable future for the beneficiaries.

Key Person Insurance

Key Person Insurance Policies are structured to shield a business from the financial repercussions stemming from the death, terminal illness, or critical ailment of an invaluable employee. Such a key person is an individual whose expertise, acumen, years of experience, or leadership traits are integral to the sustained prosperity of the company. Should such an unfortunate event occur, leading to the death or critical illness of this employee, the business would be granted the financial means to counterbalance the ensuing operational setbacks. This funding offers the fiscal leeway to cover recruitment costs, or alternatively, might be utilized to settle outstanding debts or recoup forfeited profits.

Shareholder Protection

Shareholder Protection Insurance affords business proprietors the means to repurchase shares from a fellow shareholder in the event of a critical or terminal diagnosis, or even death. This mechanism not only enables the remaining owners to maintain their hold on the business, but it also ensures that the deceased's estate receives equitable compensation for their shareholding. These protection schemes are adaptable, designed for Limited Companies, Partnerships, and Limited Liability Partnerships alike. It remains crucial, however, to have a fitting shareholder or partnership agreement that aligns with the collective aspirations and needs of the business owners.

Executive Income Protection

Executive Income Protection Insurance Plans are tailored for small to medium-sized businesses, with the intent to supply sick pay benefits to key directors or essential staff members. Should such an employee find themselves incapacitated due to illness or injury, the business would be entitled to a monthly financial cushion aimed at sustaining the ongoing sick pay. Beyond this, the employer also has the discretion to cover the correlated costs associated with National Insurance and pension contributions. Initiated and financed by the employer, this Executive Income Protection Plan typically qualifies as a tax-deductible operational expense.

Business Protection

Safeguard both yourself and your enterprise by putting the appropriate financial safeguards in place. Our team of Protection Specialists are on hand to provide well-balanced advice specifically tailored to UK businesses, helping you pinpoint the business protection insurance that’s perfectly aligned with your requirements.


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