Family Shield Financial Ltd

Family Shield Financial Ltd: family protection advice in Willenhall

Family Shield Financial Ltd is an insurance advisory firm based at West Midlands House, Gipsy Lane, Willenhall (WV13 2HA, United Kingdom). Its work focuses on designing personalised cover packages for families and individuals, with a stated commitment to understanding each client's specific circumstances before proposing a solution. The company operates as an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited, an entity authorised and regulated by the UK Financial Conduct Authority.

Personal protection products

The firm's range covers a broad set of insurance policies aimed at protecting income and family assets in the event of death, illness or inability to work:

• Life insurance: a lump sum payment on death, with the option to be written into trust, terminal illness diagnosis cover, flexible options to suit needs and circumstances, and an option for whole-of-life cover.
• Family income benefit: a type of life insurance that pays a monthly income to beneficiaries for the duration of the policy on death, and which also pays out on diagnosis of a terminal illness.
• Critical illness cover: a tax-free lump sum on diagnosis of a specified serious condition, such as cancer, heart attack or stroke, intended to cover healthcare costs, monthly bills and lost income during recovery.
• Children's critical illness cover: additional cover — not available as a standalone product — that protects against the diagnosis of specified critical illnesses in childhood, with a tax-free lump sum, cover for medical expenses and loss of parental income, and includes a child death benefit in all policies of this type.
• Mortgage protection: life insurance linked to the mortgage, available on a decreasing or level basis, with terminal illness cover and the option to take it out on a sole or joint basis.
• Income protection: a financial benefit when the insured person is unable to work due to illness, ailment or injury, with waiting periods adapted to the sick pay arrangement, short-term and long-term benefit options, cover until anticipated retirement age, and options for a variety of occupations, hobbies and pastimes.
• Private healthcare insurance: a private medical insurance policy that covers all or part of the cost of treatment for acute conditions arising after the policy begins, with a choice of consultant, fast access to private treatment, flexible cover, a wide range of hospitals, and access to the latest drugs and treatments.
• Funeral cover: a lump sum to cover funeral expenses without having to draw on family savings. The service is referred to a third party and neither Family Shield Financial Ltd nor PRIMIS is responsible for the service received.

Complementary services and referrals

The firm also offers a will-writing service that simplifies a process that is often costly and time-consuming, on the basis that dying without a will means assets are distributed under general rules that may not reflect the deceased's wishes. Will writing is not regulated by the Financial Conduct Authority and the company is not authorised through PRIMIS Mortgage Network to advise on wills, so these are referred to a third party.

In the mortgage field, Family Shield Financial Ltd is not authorised to advise on mortgages, but it can introduce the client to a qualified third party. The firm warns that the home may be repossessed if payments are not maintained and notes that the Financial Conduct Authority does not regulate most buy-to-let mortgages.

How the firm works

The process described by the company begins with a free, no-obligation telephone consultation at a time that best suits the client. Personal and family circumstances are then analysed to design a tailored package, with the stated aim of leaving no option unexamined. Once cover is arranged, the company carries out regular reviews to check that the policy still matches the insured person's needs and offers support with claims handling if required.

Professional profile and customer service

The firm is led by Zoe Richards, who came from the cosmetology sector before starting her career in financial services. Richards states a personal interest in helping families achieve financial security against the unexpected, a motivation she links to her own experience as a mother. Among the published testimonials, one client highlights the resolution of queries, the search for the best cover at the best price, and the adviser's availability to answer questions promptly.

Registration details and scope of operation

Family Shield Financial Ltd is registered in England and Wales with number 14623441, and its registered office and trading address are both at West Midlands House, Gipsy Lane, Willenhall, WV13 2HA. The information and guidance published on its website fall within the UK regulatory regime and are aimed at consumers resident in that country.

Location and contact

West Midlands House, Gipsy Ln, Willenhall WV13 2HA, United Kingdom · Phone: 01902475676