No financial plan is truly complete without a robust layer of protection underneath it. At Handsworth, we conduct a thorough independent review of your existing coverage before identifying the gaps that leave you, your family, or your business exposed to unnecessary risk. We then design a protection strategy that addresses those gaps with the most appropriate solutions available — drawn from across the full market, never limited to a preferred provider list.
Our protection advisory covers the full spectrum of personal and business risk: life assurance, critical illness cover, income protection, total and permanent disability insurance, and key person cover for business owners. For our European clients in particular, we are well versed in navigating the differences between protection frameworks across EU member states, helping internationally mobile individuals and cross-border families ensure their coverage is both adequate and correctly structured for the jurisdictions in which they live and work.
You spend years building your wealth — the right protection strategy ensures one unexpected event can never take it all away.
Most people significantly underestimate their protection needs — or rely on employer-provided coverage that is inadequate, non-portable, or lost entirely when they change jobs or relocate internationally. For clients living and working across multiple European countries, the complexity compounds further: coverage that is valid in one jurisdiction may offer little or no protection in another, and many standard policies contain exclusions that only become apparent at the worst possible moment.
We begin with a comprehensive review of all existing coverage — personal, employer-provided, and business-related — to map out what you currently have and, more importantly, what you do not.
We evaluate your financial obligations, dependents, income level, and lifestyle to quantify the actual level of protection your circumstances require — not a generic industry estimate, but a precise figure specific to you.
As a fully independent firm with no ties to any insurer, we compare solutions across the full market to identify the most suitable and cost-effective coverage available for your specific risk profile and cross-border situation.
We manage the implementation of your protection strategy and schedule annual reviews to ensure your coverage evolves alongside changes in your income, family situation, and international circumstances.
Clients who complete a protection review with Handsworth consistently report the same reaction: relief. Relief at discovering their coverage was restructured before it was ever needed, and confidence in knowing that whatever life brings — illness, disability, or loss — their financial plan will remain intact and their family will be provided for. For our European clients especially, having a protection structure that travels with them across borders brings a level of peace of mind that no investment return alone can offer.