What we coordinate
Protection for your life, wealth, business and legacy
Seven areas of enquiry, one relationship. Your named contact records what you need and introduces you to an appropriate specialist, who is responsible for any advice.
Putting your intentions beyond doubt
Wills & Estates
A will decides who receives what, who administers your estate and — where children are involved — who is appointed to care for them. Without one, the intestacy rules decide instead, and they rarely match what people assume.
Provision that has to work across generations
Trusts & Legacy
A trust separates the legal ownership of an asset from the benefit of it: trustees hold and manage, beneficiaries benefit, and the trust deed, will or other governing terms set the boundaries within which trustees decide. Where a family has property, business interests, investments and more than one generation with an interest in them, a trust can provide a framework for who benefits, when and on what terms, where a specialist considers one suitable.
Wealth held in more than one place
High-Net-Worth Planning
Where wealth is spread across a home and other property, a trading business, investments and perhaps assets abroad, the hard part is rarely choosing a product. It is that each piece was arranged at a different time, by a different adviser, on assumptions that have since moved — and that they now have to be read together.
Protecting the people who depend on you
Life Insurance
Life insurance is, in plain terms, an arrangement that may pay a cash sum if you die during the term of the policy — subject to the policy terms, the information given at application and the premiums being maintained. Many policies also include terminal illness benefit, which may allow a claim if a doctor confirms a life expectancy of less than twelve months.
Continuity for the enterprise you built
Business Protection
Most owner-managed businesses depend on a small number of people. If one of them dies or becomes seriously ill, three things tend to happen at once: revenue falls, lenders take an interest, and the ownership of shares becomes an urgent question at the worst possible moment.
When earning stops but the bills do not
Health & Income Protection
Three different products are often confused with one another. Life insurance may pay out on death. Critical illness cover may pay a lump sum on the diagnosis of a specified condition, whether or not you can still work. Income protection may pay a regular replacement income when illness or injury stops you working, usually after a waiting period.
Property enquiries, personally coordinated
Mortgages
Property borrowing rarely sits on its own. It usually arrives with protection questions, a will that needs updating and, for business owners, income that a high-street lender finds harder to read.
Connected needs
Protection, estate and business enquiries in one place
Most requirements do not arrive alone: a new mortgage raises life cover questions, a business sale raises estate ones. Coordinating them through one relationship keeps the decisions consistent.
Arrange a confidential consultation
Tell us what you would like to protect or resolve. One named contact will read your enquiry personally and come back to you.
- One dedicated point of contact
- No call centres
- Introductions handled discreetly
- Serving Hampshire, West Sussex, Surrey and the Isle of Wight
Cromwell Associates coordinates enquiries and introduces clients to appropriately qualified specialists. We do not provide regulated financial, legal or tax advice, and submitting this form places you under no obligation.
Your enquiry is reviewed personally before any introduction is made.