Financial Protection
Protect what matters and be ready for the unexpected! You don’t know what tomorrow will bring — but you can plan for it. At Transform, we make sure that life’s twists and turns don’t derail your financial goals. Whether you’re supporting a family, running a business, or both, our tailored financial protection strategies ensure that you’re covered — so you can focus on living, not worrying.
What We Do
Building Your Financial Safety Net
Financial protection isn’t just about policies — it’s about safeguarding your lifestyle, your loved ones, and your legacy if something unexpected happens.
Ensuring Individuals & Families Have the Correct
✔ Life Insurance that ensures your family can stay in the family home, pay school fees, and carry on without financial strain.
✔ Critical illness cover that protects your income and assets if you’re unable to work due to serious illness.
✔ Income protection that keeps the bills paid, even if illness or injury stops your salary.
Ensuring Business Owners Have the Correct
✔ Key person cover to keep the business afloat if you or a key employee is out of action.
✔ Shareholder protection to ensure control passes smoothly — not messily — to your intended successors.
✔ Income protection that separates your personal financial resilience from your business’s volatility.
Risks You Can’t Afford to Ignore
Even the most robust investment portfolio or pension plan can be undone by a sudden life event. Here are the challenges we help clients avoid every day:
A Parent Dies Unexpectedly
❌ Without Cover: Your family may need to sell assets or reduce lifestyle.
✅ With Cover: Mortgage paid, family protected.
You Suffer a Serious Illness
❌ Without Cover: Savings drained, career derailed.
✅ With Cover: Income continues, recovery supported.
Key Business Partner Passes Away
❌ Without Cover: Legal disputes or business failure.
✅ With Cover: Shares transferred cleanly, business stabilised.
Why Financial Protection is Vital
Let’s get real: financial protection isn’t just about peace of mind (although that’s a huge benefit). It’s about preventing financial disaster.
Here’s some of the common mistakes people make:
Underestimating Needs
“We have some cover” often isn’t enough when major costs arise.
Over-Relying on Savings
Your cash reserves should fund your future, not emergency living expenses.
Not Integrating Protection Products
Failure to integrate financial protection with your estate and tax plans can leave your beneficiaries facing unnecessary tax or delays.
Our Holistic Approach
How Financial Protection Fits into Your Financial Plan
At Transform FP, financial protection isn’t just a stand-alone service—it’s part of your entire financial plan. Every protection decision is aligned to your:
- Tax plan – we ensure policy pay-outs are structured tax-efficiently.
- Retirement plan – so income remains stable regardless of health or work.
- Estate plan – so the right people benefit, and nothing is left to chance.
This integrated approach gives you confidence that your financial life stays on track — no matter what happens.
What Makes Us Different
What You Can Expect Working With Us
With our expertise in financial protection, we’ll help you:
✅ Identify the gaps in your current protection
✅ Recommend the right cover based on your life stage, assets, and responsibilities
✅ Align all policies to your personal and business goals
✅ Review your protection annually to keep it relevant as life changes
You’ll walk away knowing your family, lifestyle, and business are shielded — and that your financial plan won’t unravel under pressure.
0%
of our clients think that working with us has helped or will help them achieve their financial goals.
0%
of our clients said they were satisfied that we understand their needs, objectives and goals.
0%
of our clients would recommend us to their friends or family – and all said they have done so already!
Real Clients. Real Stories.
FAQs
Do I still need life insurance if I have savings?
Yes. While savings offer some security, life insurance ensures your family has the financial support to cover major expenses like mortgages or education without depleting your savings.
What protection do business owners need?
Business owners need both personal and business protection, including key person insurance, income protection, and shareholder protection to keep the business secure during unexpected events.
How does protection fit with the rest of my financial plan?
We align protection with your investment, pension, tax, and estate planning strategies so everything works together to support your long-term goals.
Isn’t this just for families?
Not at all. Business owners, professionals without dependents, and high earners are all exposed to risks that financial protection can mitigate.
Will you review my current policies?
Absolutely. Many clients come to us with legacy policies that no longer match their needs. We’ll audit your current cover and advise if changes are required.
What if I don’t know how much cover I need?
That’s what we’re here for. We’ll help you calculate the right level based on your commitments and future plans — nothing more, nothing less.
Ready to Build Your Financial Safety Net?
Don’t wait for a crisis to realise what’s missing. With our expert guidance, you’ll get the protection you
need — clearly explained, tax-smart, and fully integrated into your long-term financial plan.
Book a discovery call today, and let’s secure your future with confidence.
We also help people who are...
Transform Financial Planning (FP) is a trading style of Bridge Investments Partners Ltd. Bridge Investments Partners Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference no. 608975.
Registered in Scotland. Company Number: SC456760. Registered Address: 19 Monktonhall Place, Musselburgh, Scotland, EH21 6RR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Regulations, levels and bases of taxation are subject to change. The value of your investment can go down as well as up and you may not get back the full amount you invested.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Business Planning, Will Writing, Taxation and Trust Advice. The firm is not responsible for the content of external links. The content is aimed at UK residents or residents of MiFID countries. See our Website Terms of Use.
Making a Complaint
If you wish to register a complaint, please email hello@transformfp.com or write to us at Transform FP, Compliance Officer, 129-131 Comely Bank Road, Edinburgh, EH4 1BH UK, or telephone us on 0131 315 222.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
Production