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Spa Financial Planning Harrogate Vault


Ensuring you and your loved ones are financially protected in the event of death or ill health should be the cornerstone of every financial plan. Our experience allows us to understand your needs and help put together a plan to help protect you and your family. The types of cover available vary wildly and often people are not covered for what they think they are. We aim to make the process as simple to understand as possible.

SPA Financial Planning Harrogate Familiy

Life Insurance

Life cover is probably the easiest to understand and potentially the most important to consider should you have any dependants. Life insurance will pay out an amount; the sum assured on the death of the insured. This could be as a lump sum or a regular income for a fixed period. We check to make sure you have the right level of cover for the best price.

SPA Financial Planning Harrogate Doctors office

Critical Illness Cover

Critical illness cover will pay out a lump sum in the event you suffer from a specified serious illness, the most common being various types of cancer or a heart attack/stroke. The options here are much more varied and we take the time to understand your needs, explain the options and recommend the best plan to meet your requirements and budget.


Pound for pound critical illness cover is more expensive than life cover, but this is because during a set term we are much more likely to be diagnosed with a serious illness than drop dead. It is estimated that 50% of us will be diagnosed with some form of cancer during our lifetime. If you become critically ill and unable to work for how long could you manage financially?

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Income Protection

Income protection will provide a monthly benefit if you cannot work due to illness or an accident until such a time as you recover, retire, reach the end of the term or die. We consider how much cover you need, how soon you would need it, for how long and what you are comfortable paying for the cover when we make a recommendation.

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Building and Contents Insurance

When it comes to insuring your home and it’s contents, we always recommend our clients speak to a broker who specialises in this type of insurance and are happy to make a recommendation if required.

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