If you are unhappy with our service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Quilter Financial Planning Complaints Department

Quilter, SUNDERLAND, SR43 4JR

Email: QFPcomplaints@quilter.com

Tel: 0808 171 2626

You can find more information by visiting the Quilter Financial Planning website:

http://www.quilterfinancialplanning.co.uk/contacts/

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)

Ready to explore your options?

Let’s talk through what protection could look like for you and find something that fits your circumstances.

Protect your income. Protect your future.

Could you stay financially stable if your income suddenly stopped?

Most of us insure the everyday things – our pets, our phones, our holidays. But the one thing that pays for all of those, our income, often gets overlooked.

When illness or injury stops you from working, the financial impact can hit harder than the illness itself. Not because people haven’t planned, but because the support available often doesn’t go far enough.

The reality of statutory sick pay (SSP)

For many employees, SSP is the only support available if they’re too ill to work. But SSP is just £123.25 per week, and if you’re self‑employed, there’s no SSP at all.

When you compare that to everyday expenses like mortgage or rent, food, transport, utilities, and childcare, it becomes clear how quickly things can become difficult.

Even where employers offer enhanced sick pay, it often only lasts for a limited period.

Important: This information is for guidance only and does not constitute financial advice. Please speak to your adviser for personalised recommendations.

Tax treatment varies according to individual circumstances and is subject to change. The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested. Inheritance tax planning & tax planning are not regulated by the Financial Conduct Authority

How income protection supports you

Income protection replaces a portion of your income if illness or injury stops you from working. It can work alongside any employer sick pay you receive and it’s designed to help you:

- Keep essential bills paid

- Maintain your financial commitments

- Avoid using savings or credit to stay afloat

- Reduce stress while you recover

It’s simply about having a dependable backup plan.

Why people choose to think about income protection

You may have had a recent life change, a new job, a growing family, a mortgage, or other increased financial responsibilities. Or you may simply want to feel more financially resilient and confident about the future.

Either way, it’s about making sure you have support in place if illness or injury ever stops you from working.

Why protection matters

Life is unpredictable - but your financial security doesn’t have to be. Protecting what matters most means having plans in place to safeguard your family, your wealth, and your legacy. A financial adviser can help you identify risks and create a strategy that gives you peace of mind.

What does protection involve?

Protection isn’t just about insurance - it’s about planning for life’s uncertainties and ensuring your loved ones are cared for. Key areas include:

• Income protection - Cover for unexpected illness or injury
• Life and critical illness cover - Financial security for your family if the worst happens
• Estate planning - Making sure your assets go to the right people in the most tax-efficient way
• Safeguarding wealth - Strategies to protect and grow your assets over time