Year 10 age 45 — The family years
Family & protection
A family changes the plan. Protection, a mortgage and school costs overlap exactly when the pension you started at 35 has quietly become real money.
By this decade a £492 pound — and its heading, set at the size it has grown to.
This is the decade of overlapping demands, and the one where a plan earns its keep by keeping them in order. We make sure the people who depend on you are protected first — income protection and life cover sized to the mortgage and the family, not to a salesperson’s target.
With protection in place, we keep the long-term plan compounding through the busy years: contributions maintained, allowances used, and the temptation to raid the pot for short-term costs headed off with a sensible cash plan instead.