Life Cover
Protect What Matters Most
Life is unpredictable — and while we can’t control what happens, we can prepare for it. The right protection gives you and your family financial security if the unexpected occurs, helping cover everything from household bills to long-term care needs.
At Cotswold Independent Financial Services, our advisers take the time to understand your circumstances and recommend cover that’s affordable, suitable, and gives you peace of mind.
Why Protection Matters
Without a plan in place, illness, accident, or loss of income can quickly put a strain on your finances. Long-term care, for example, can cost hundreds of pounds each week and easily erode savings or even the value of your home. By planning ahead, you can ensure your assets are protected and your family is financially supported.
How We Can Help
Life Insurance
Provides your family with a lump sum or income if you pass away, helping them cover living costs, debts, or future needs.
Critical Illness Cover
Pays out if you’re diagnosed with a specified serious illness, so you can focus on recovery without financial stress.
Income Protection
Replaces a portion of your income if illness or injury prevents you from working, keeping household finances secure.
Long-Term Care Planning
Explore insurance and investment options to help cover the costs of care later in life, protecting your savings and property.
Tailored Protection Plans
Combine policies and strategies to create the right level of cover for you and your loved ones.
Our Approach
We know protection is personal. That’s why we:
Explain all your options in plain English.
Search the whole market for the most suitable cover.
Design solutions that fit your lifestyle, budget, and priorities.
Regularly review your protection so it adapts as your circumstances change.
Plan Today, for Peace of Mind Tomorrow
Life cover and protection planning ensures that, whatever happens, you and your family are financially secure. With independent advice from Cotswold Independent Financial Services, you can take control of the future and safeguard what matters most.
Testimonials
We have known Saime Dodwell since 2018. She is very professional, always very prepared for our meetings and has always provided us with excellent advice and help. In the last 18 months she has been invaluable and sorted out any financial issues we have had quickly and efficiently. We have recommended Saime to our friends and family members. She is a financial advisor that we know we can trust.
Dawn Wellings
Paul Corden was extremely helpful and polite and even arranged a payment for me from my pension provider when they were late paying me.
Vivienne Woods
Saime has been our IFA for many years ( 15 I believe ). We are not straight forward customers due to our property portfolio being very diverse. We often chop and change things and generally always I am very impatient. Saime has always been organised and knows her stuff. She’s done life insurance , private health care and mortgages for us. I don’t hesitate to recommend her.
Hayley Privett
Steve was very helpful and efficient.
Chris Furniss
Clear and easy to understand advice given throughout the meetings. I will certainly be using Steve for future advice and planning my financial affairs.
Carl Hillman
We have had bad experiences with IFAs in the past, but Daniel was a revelation- He understood what we wanted to do and was able to make this happen ASAP
Brian Croom
Naomi was very professional and friendly and understood all my financial needs
Juliet Niland
I have found the service to be highly professional, and I am very pleased with my experience provided by Cotswold Independent Financial Services. Thank you
Marie Agnew
Robert was so patient, I know there is pension information out there but with Robert’s one to one advice I believe I can make more sense of my pensions and make the right decisions. It didn't matter how many questions I asked , Robert was able to break everything down so that I understood.