Family Shield Financial Ltd

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Family Shield Financial Ltd

Life Insurance/Critical Illness Cover/Income Protection/Private Medical Insurance/Mortgage Protection
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Family Shield Financial are a family run business based in the heart of the West Midlands. We pride ourselves on being very efficient, thorough and professional with every case and enquiry across the firm. We offer support with :-
Life Insurance
Critical Illness' Cover
Income Protection
Mortgage Protection
Over 50's Plans
Sport & Injury Insurance
Funeral Cover
Key Man Insurance
Executive Incom

e Protection
Relevant Life Insurance
Shareholder Protection
Loan Protection

For advice on any of the above please contact us using a method below :-
Email : [email protected]
Call : 01902475676
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Family Shield Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority. Family Shield Financial Ltd is registered in England & Wales with Company No: 14623441. Family Shield Financial Ltd accepts no responsibility for any loss or damage resulting directly or indirectly from the use of this content. Any views expressed are those of Family Shield Financial Ltd and do not represent the views of First Complete Ltd.

30/03/2026

We’ve been a bit quiet on here lately.

Not because we’ve stopped.
Because we’ve been busy dealing with real situations behind the scenes.

People thinking they were covered… and finding out they weren’t.
Policies that wouldn’t have paid out the way they expected.
Families and business owners realising a bit too late that no one had actually explained this properly.

The photo is from a recent insurance event we were invited to, recognising the work we’ve been doing.

Nice to be recognised, but the reality is most of our time is spent in the situations above.

This is what we do.

We make sure there’s money in place if:

You die
You get seriously ill
You can’t work

Simple.

But doing it properly is where most people get it wrong.

We spend a lot of our time fixing things like:

Policies set up the wrong way
No trust in place
Cover that doesn’t match someone’s actual situation
People paying personally when it could be done far more efficiently through their company

For families, it’s about making sure the house is secure and life can carry on financially.

For business owners, it’s about making sure everything you’ve built doesn’t fall apart if you’re not there.

This isn’t complicated.
It’s just rarely explained properly.

If you’ve already got cover, there’s a good chance it’s worth reviewing.
If you haven’t sorted anything yet, you’re taking a bigger risk than you probably realise.

If you want us to take a look, just drop us a message or get in touch

[email protected]

[email protected]

Call now below.

28/02/2026

Last week we sat down with two friends who had built a company from nothing.
10 years of stress.
Long nights.
Missed family time.

The business was now worth around £500,000.

But here is the uncomfortable truth.

If one of them died tomorrow, the surviving director would be in business with the deceased person’s family.

No plan.
No control.
No stability.
No £250k sitting in the bank to rebuy shares.

So we broke it down properly.

First, shareholder protection.

The business pays for life cover on both directors.

If one dies, the surviving shareholder has the money to buy the shares.
The family gets paid.
The business stays in safe hands.

No arguments.
No legal chaos.

Second, key person insurance.

If either director died, the company would take a financial hit.
Lost relationships.
Lost knowledge.
Lost revenue.

This policy gives the business cash to stabilise, recruit or survive the shock.

Third, personal protection through the company.

Relevant life insurance.
Executive income protection.

Now they have full sick pay funded by the business.
If illness strikes, their income continues.
The business survives.
Their family survives.

if they die family get a large lump sum.

And yes, the premiums reduce corporation tax and avoid personal tax where structured correctly.

This is what real protection looks like.

Not random policies.

A strategy.

Because building a business is hard enough.
Losing it because of poor planning is just stupid.

If you run a business and have never had this conversation, you are gambling with everything you have built.

Message me if you want a clear breakdown of your risks.

06/01/2026

As we step into a new year I just want to wish everyone a healthy successful and positive year ahead.

January is often when people finally get chance to pause and look at things they have been putting off.

Important documents.

Policies that were set up years ago.

Cover that might no longer match their life today.

People not factoring the cost of living and inflation into their protection needs.

If you're a parent, have a family or have a mortgage it is worth making sure what you have in place actually still does what you think it does.

We are now booking free insurance reviews over the next few months.

These are relaxed no pressure appointments where we simply go through what you have or talk you through options if you have nothing in place yet.

This is just as suitable for...

People with existing policies who want clarity.

Families who want to make sure they are properly protected.

Homeowners with a mortgage.

Anyone who wants straightforward advice without sales pressure.

If you would like to book a review or just have a conversation feel free to message the page.

Here is to getting things organised and starting the year properly.

24/11/2025

Most people only look at their insurance when something goes wrong.

By then it is too late.

Your life insurance
Your critical illness cover
Your mortgage protection
Your children’s cover
Your family income cover

All of it only works if it is set up properly and reviewed now and then.

Life changes
Policies do not
Unless you check them

A quick review makes sure your family is actually protected and not relying on something outdated that no longer fits your life.

It is simple
It is quick
There is no pressure
You get clear answers

As a whole of market broker we check every option available so you are not stuck with whatever you already have.

Once it is checked you can stop worrying about it.

Do not wait until something happens.

If you want a simple review and honest advice on reviewing your current cover or finding new cover please get in touch.

📧[email protected]

📞07816930292

📩 Direct Message Us

05/11/2025

Most parents protect their kids with car seats
Baby monitors
Door locks
Phone tracking

But the biggest risk to a family is the one most people ignore

What happens to your kids if you get seriously ill
Or your income suddenly stops

Life cover keeps a roof over their head

Critical illness pays if you get seriously sick

Income protection replaces your wage if you cannot work

It is not about being dramatic
It is just smart parenting

You protect them from the small dangers every day

This covers the big one...Just incase

It's better to be 5 years too early to set this up than 1 second too late.

To speak to us for advice

📞07816930292
📧[email protected]

29/10/2025

📈I'm sure you can FEEL this graph below as much as its evident in the numbers....

Everywhere you look right now, people are feeling the squeeze.

Groceries, energy, rent, mortgages, school costs, everything has gone up.

But most people’s insurance?

Has not moved an inch.

Some policies tucked away in dust in the loft for the last decade.

That is one of the biggest problems I see when I review old policies.

Someone took out cover years ago when £1500 a month felt plenty…

but the world has changed.

That same £1500 today might not even touch the sides now, most peoples rent and mortgages are 1k-1.2k before you think about shopping or other bills.

This is why regular reviews matter.

It is not about selling you more cover, it is about keeping it relevant.

Income protection should rise with inflation, you need to keep reviewing when finances change or index your policy.

Life cover should keep pace with the real cost of living.

These 100k life policies that are £5 a month might sound ok but 100k is like 1-2 years worth of money for some, if youve got young kids wouldn't they need more ?

Critical illness should still reflect what your family actually needs if something serious happened tomorrow.

If you needed a year off work does your policy cover it ?

Because if your salary, mortgage and bills have all gone up but your cover has not,
then you have quietly been falling behind every single year.

A good adviser will not just set it up and disappear.

They will check in, help you adjust and make sure what you have still does the job.

That is what separates good advice from just having insurance.

So if you have not reviewed your cover in years, or if you have never had anyone properly go through it with you,
it is worth doing.

The cost of living is not slowing down.
And your insurance needs to keep up.

I offer free advice to families and business's, get in touch if its needed 👌

20/10/2025

Is the tax man waiting to take your family’s life insurance payout? 🥷

You’ve got life insurance in place so your family’s protected if anything ever happens to you.

You've done the right thing ✔️

But here’s what most people never get told…

If your policy isn’t written in trust, that payout might never reach them the way you think it will.

🚫It could get tangled up in probate.

🚫It could get delayed for months.

🚫And up to 40% of it could end up going to the tax man instead of your family.

Imagine your partner trying to grieve while also dealing with that mess.

Imagine the money you thought would keep them safe sitting in limbo or being taxed before they even see it.

All because one simple form was never done.

Writing your policy into trust costs nothing, it just makes sure the money goes straight to the people you love, quickly, tax free and exactly how you intended.

You’d be surprised how many people have policies not in trust simply because no one ever told them about it.
(Maybe the advisor couldnt be arsed with the extra paperwork 🙄).

So if you’re not sure, check..ASAP

Because there’s nothing worse than finding out when its too late to do anything about it.

If you want more advice around this then please feel free to get in touch 👍

📧[email protected]
📞07816930292

14/10/2025

Life is busy right?!

Between running a business and home educating our three children, life never really slows down 😅

You might wonder what this has to do with insurance 🤔

Truth is, life is bloody expensive. But imagine being in the middle of it all and suddenly losing someone you love, or becoming too ill to work.

It’s not something any of us want to think about, but it happens every day to families just like ours.

If something happened to you tomorrow, would your family be financially protected?

Would they be able to stay in the home you’ve built and keep doing the things you love?

If not, please don’t put it off. The longer you leave it, the harder and more expensive it can become.

Protect your family while you can. You’ll never regret sorting it, but you might regret leaving it too late ❤️

From one family to another, we get it, and that’s exactly why we do what we do ❤️

09/10/2025

A quick sum any parent can do to see if they have enough life insurance 👇

1️⃣ Work out the amount of money your family needs each year to live comfortably.

For this example we’ll use £43,400 based on the UK’s Minimum Income Standard (MIS) for a couple with two children.

2️⃣ Take the age of your youngest child and work out how many years until you think they’ll have their own income or be less dependent.

If your child is 5 and you think they’ll be independent by 21 so 21 - 5 = 16 years

3️⃣ Do this simple sum

£43,400 (annual family cost)
✖️
16 (years until independence)
= £694,400

That’s the amount of money that would need to go into your household to maintain the same standard of living until your children are financially independent.

So in this example around £694,400 of life cover would be ideal.

Anything less could leave the family short if one parent passed away and the surviving partner had to stay off work to care for the kids.

If you’d like help working out your own figure or want to check if your current cover is still suitable send us a quick message.

⚠️ *Disclaimer:*
This is for educational purposes only.
Everyone’s situation is different and things like budget, inflation, debts and affordability all need to be factored in.

02/10/2025

We ask you to join us in wishing a happy birthday to our company owner Zoe.

Zoe started this company to offer families, businesses and indivudals the support they need when setting up protection.

We have been blessed to help hundreds of people all over the UK thanks to this one decision.

We hope you have a lovely day and all the best for many more.

29/09/2025

Parents ever constantly working through life in lists?

Lunches packed, cloths done, bills paid, fuel in the car etc

Constantly chasing your tail just to keep the little ones comfortable, safe and happy.

But then that question comes into your head....

What if I couldn’t work for a while? What if i got ill or passed away?

How hard would just the day to day work and covering bills be ?

It’s not drama. It’s just life. People get sick. Accidents happen. And families still need food on the table and a roof over their heads.

That’s why setting up cover against illness, injury and death is so important.

If you want to know where you stand we can review what you already have free of charge and make sure it still does what you need.

01902475676
[email protected]

Address

West Midlands House
Willenhall
WV132HA

Telephone

+447805625676

Website

https://www.familyshieldfinancial.co.uk/

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