n. Insurance: Insurance an arrangement by which a company gives customers financial protection against undesirable events or risk in return for payment ( premium).

The financial decisions we make are often underpinned by a need to protect them. The advisers at McFarlane and Partners have a long track record of advising both individuals and businesses on a full range of protection products and solutions to suit all individual requirements.

On the one hand this may be as simple as ensuring your mortgage doesn't become a financial burden in the event of unforeseen circumstances and making sure your financial dependants are cared for in the event of ill health or the death of a family member.

At the other end of the spectrum you may have a business and want to safeguard your profits and key members in your organization or use insurance products to mitigate inheritance tax burdens.