Protection Matters

Protection Matters: protection insurance advice in St Albans

Protection Matters is a protection insurance advisory firm based in St Albans (United Kingdom). Its activity focuses on helping clients find the right cover for their circumstances through a personalised advice service, with no fees or obligation, and with access to products from leading insurers.

Protection products

The firm's range includes life insurance, critical illness and income protection. Within life insurance, the following types are detailed:

• Decreasing Term Assurance
• Relevant Life Insurance
• Long Term Life Insurance
• Increasing Term Assurance
• Level Term Assurance
• Family Income Benefit

Specific issues are also addressed, such as the tax deductibility of life insurance for self-employed workers and taking out life insurance for vapers. In the area of critical illness and income protection, the firm offers advice both for self-employed people and for the general public.

Advice approach

The firm describes its working method in four steps: understanding each client's unique needs, providing tailored advice, finding solutions at the right time and presenting a competitive offer. Advice is provided at no cost to the client and with no obligation to take out a policy. In addition, the firm notes that its service is covered by the Financial Ombudsman Service, which gives clients a route to recourse if they are not satisfied with the advice received.

Client profile and collaborations

Protection Matters works with private clients and also collaborates with other financial and mortgage advisory firms. The testimonials on its website mention industry professionals who refer their clients to Protection Matters for the management of protection insurance, highlighting the attention to high-net-worth clients and expertise in medical conditions. The firm presents itself as an external resource for mortgage advisers who need to delegate protection advice.

Claims support

The firm emphasises its commitment to supporting the client at the time of a claim, offering guidance on how to submit the application to the relevant insurer. However, it clarifies that it does not handle the claim directly, but rather provides support to the insured during the process. Its website states that, according to data from insurers such as Aviva, Royal London and the overall ABI market, the average of claims paid exceeds 98%.

Structure and regulation

Protection Matters Ltd acts as an appointed representative of Mortgage Intelligence Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA) under number 305330 for insurance and consumer credit mediation activities. The firm also mentions that policies can be written into trust, which allows avoiding up to 40% tax on claims.

Opening hours

Customer service is provided Monday to Friday from 8:00 to 20:00, Saturdays from 9:00 to 19:00 and Sundays from 9:00 to 20:00.

Location and contact

Fountain Court, 2 Victoria Court, Victoria Street · Phone: 0345 450 7886 · Email: info@protection-matters.co.uk