Find the Right Protection

No matter where you are in the world, you need to make sure you have the right protection for you and your family. Although building up your pot of wealth is important, so is protecting it for unforeseen circumstances in the future. The last thing you want to be doing is putting your family at risk.

Is life insurance worth the money?

While many people don’t agree with the principles of life insurance, this doesn’t change the fact that death could be just around the corner for anyone of us. If you are single with no children then life insurance is not necessary, but if you have a family then there aren’t any good reasons not to have life insurance. You insure your car, house, and phone so why would you not insure your family?

What type of life insurance is right for me?

There are two main two types of insurance, term assurance (whole of life cover) and life insurance (fixed-term cover). Whereas life insurance has a fixed term, life assurance typically covers you for your entire life and so is often known as ‘whole of life’ cover. Premiums for this type of cover tend to be more expensive than for life insurance as a payout is guaranteed. We would need to know your circumstances better first to know which would suit you best.

Why should i plan for something which may never happen?

While this is a valid question and something may never happen to you until you are old and retired, what would happen if you fell ill early in your career and were unable to work? If insurance companies know you are ill, they can increase the premium cost or even refuse you as a client. Having the peace of mind that your family is protected can be a blessing in disguise if something were to happen.

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Protection

What would your family do if something happened to you and you were the only breadwinner in the family? Would your family have money to survive? Would your children still be able to go to University? Could they afford to live in the house they are currently in?

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Cover

The question we are often asked is how much insurance do you need? We can help you understand what you do and don’t need cover for. For example, do you need to protect a mortgage or even school fees in case of death or illness? We have special formulas to work these figures out for you in no time.

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Term

Depending on what type of insurance you want will depend on how long you need it. Generally speaking, people have life insurance to cover their working life, but other factors can play a role too.

Woody Maynard

07:55 19 Apr 23

I dealt with Piers Kemp who was extremely knowledgeable, approachable, swift to react to my queries (even the repetitive ones that he'd previously covered!) and, importantly, patient. It was a long process slowed down by my previous providers, and at at times myself. However Piers never displayed frustration. It has been a top notch professional relationship thus far.

Adam Smith

10:24 15 Dec 22

2021 / 2022 have been turbulent years and I went in to the assessment expecting a very painful feedback on my portfolio. I am happy to say Ben Eccles managed to keep my losses to a minimum, and I have faith that once the chaos of the world today stabilises, he will make up for the challenges to date.

Steve Matthews

04:36 10 Nov 22

I have been a client of SJB Global for over 4 years. Jake Barber and the team have provided excellent guidance and support during this time. As a result, I'm approaching retirement without unnecessary stress. In an industry with far too many charlatans, I wouldn't hesitate to recommend SJB Global to anyone remotely concerned about the service they are getting from their financial advisor.

Juliette Slater

17:21 03 Nov 22

We moved our financial advisor from UK to Ben Eccles at SJB Global and have been very impressed with the care and attention to detail that he provides. He is always available and informed whenever we have questions and we feel are pensions are in the best place as Spanish residents.

John Enoch

08:32 14 Oct 22

Whilst early in my journey with SJB I have been very impressed by the knoweldge, perseverance and professionalism I have benefited from as a client of Ben Eccles. Whilst there is no regret-proof investment plan, I feel that I get great advice and a responsive, personalised service that is better than any other service I have used before.

James Doyle

15:48 08 Oct 22

I am hard to catch hold of , a skeptic and slow to make moves. The SJB Global team proved patient, thorough, pressure free and factual and friendly the whole process through. Great job

Roslyn Kelly

15:30 27 Sep 22

As first time clients of SJB global who have dealt solely with Mr Alex Gover from the moment of our initial approach to SJB and our subsequent investment. The highly professional and supportive manner in which Mr Gover dealt with our initial questions was an important factor in our selection of SJB over other providers with whom we had made initial contact. Mr Gover could not have been more accommodating and our subsequent meetings have been both cordial and productive. His explanations of issues initially out of our experience have been both clear and informative - he has gone out of his way to ensure that the implications of every decision we have made has been clearly understood. Mr Gover is a man in whom we have great trust and we have been impressed by his willingness to ensure he understandsus and our financial needs. His openness and his integrity have been key.

Farida SAFSAF

16:32 22 Sep 22

Alex Gover is the best !!! His approach is very professional, helpful and always available. His explanations are very clear and he makes it easier to understand the portfolio. I DEFINITELY recommend SJB GLOBAL if you want a better return on your investments and get a nice retirement pot ! Merci beaucoup Alex.

Rob Leach

09:54 27 Jul 22

I have been a client of SJB Global for the past 3 years and, during that time, Matt Quinn has worked diligently to safeguard my portfolio, advising (but never pushing) which direction I should take my investments. I must be one of Matt's smaller clients but you wouldn't guess it from the time and patience he shows on his regular catch up calls. I have no hesitation in giving SJB and Matt a five star review.

Justin Woodmansee

09:36 26 Jul 22

SJB Global have been my pension provider for a few years now. From switching over which was effortless to the array of products that they have access to is impressive. My personal advisor is Matt Quinn a very honest and professional person that will keep me updated and informed along with a general review of my portfolio annually. Thank you for being my trusted partnerKind regardsJustin woodmansee

Alfonso Gentile

22:25 20 Jun 22

I have to say that working with Randal Stephens has been a sincere pleasure and in the large majority of cases a blessing. His competence, his attitude to help a non expert like me, his patience, his ethical behaviors in explaining pros and cons of the different actions to be taken has been really a gift to me. I can not remember of any single case in which I left the call with Randal with question marks and with me it would have been very easy in his field. Kudos to him and a sincere pity that I had to close this collaboration for personal circumstances

Andrew Taylor

12:17 17 Jun 22

I've just completed the transfer of my UK pension to an international setup with SJB Global and Alex Gover as my Advisor. The process was made very clear by Alex and I am confident that my finances are in safe hands with SJB.Over the last few years I've been contacted by many companies interested in advising on my expat/UK pension situation. However, I felt the approach of many to be pushy and/or they were not being transparent with fees. This was not the case with SJB, who clearly explained all the costs, constraints and benefits involved in the pension transfer and Alex spent a significant amount of time and effort with me ensuring I understood the process. Overall I am very happy and am in much greater control of my UK pension (and retirement) than I was previously. Cheers Alex

Geoffrey Rea

16:26 16 May 22

Worked with Robert Hoey who arranged my Pensions and Investments details in a patient professional manner. Robert has impressed me with his knowledge and understanding of my situation and my concerns where he put these to rest by being open and transparent and providing great advice. Robert is always available to my many questions and the advice is always to the point. I have no hesitation recommending Robert and SJB Global for investment and pensions advice and solutions.

Martin Kelsey

06:13 03 May 22

We have been extremely impressed with the professionalism and quality of SJB Global. Randal has been our contact throughout the process of setting up our arrangements and he has shown both a superb understanding of our requirements and concerns, has always been available to provide advice and has carefully gone through all of the procedures with us. Nothing has been rushed and everything is transparent. We would strongly recommend SJB Global for investment and pensions advice and solutions.

Find the Right Protection

Is life insurance worth the money?

What type of life insurance is right for me?

Why should i plan for something which may never happen?

Protection

Cover

Term

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