Life is unpredictable. Without adequate protection in place, unexpected illness, injury or death could put your family's financial security and future plans at serious risk.
At Castlegate, we help clients build comprehensive protection strategies that provide genuine peace of mind. Rather than sell standalone insurance policies, we take a holistic view of your needs, ensuring your loved ones and lifestyle are properly safeguarded.
For us, protection is not about fear or worst-case scenarios. It's about responsibility and care - ensuring that if something happens to you, the people you love can maintain their standard of living and achieve their goals.
Whether you need help with life insurance, income protection or critical illness cover (or understanding how these different protections work together), our financial planners are here to guide you.
We would love to speak with you over a free, no-commitment consultation if you are ready to start a conversation.
Many assume protection is only necessary for families with young children or large mortgages. In practice, anyone with financial dependents or commitments can benefit from appropriate cover.
This extends beyond basic life insurance (though that remains important). This is comprehensive protection planning that considers income replacement, mortgage repayment, children's education costs, ongoing care needs and business continuity across different life stages.
We appreciate that protection planning is not top of mind for everyone right now. Yet, these groups typically discover immediate relevance:
Castlegate stands apart in several meaningful ways. We hold Chartered Financial Planner status - widely recognised as the UK's highest professional standard.
Few firms achieve this designation, which demonstrates our dedication to continuous learning, ethical practice and putting clients first.
Our journey is distinctive too. Founded in Grantham, Lincolnshire, we have grown throughout the Midlands, London and further afield during three decades of meeting clients wherever suits them best - whether at home, at work or in one of our offices.
Through this growth, we have built something unusual in financial services. We remain connected to our community roots, keeping our approach personal and down-to-earth, whilst being part of the Duncan & Toplis and Kinbrook group gives clients reassurance that comes from scale and stability.
Yet what truly defines Castlegate is our team - dedicated professionals in our offices who consistently go above and beyond for clients, pursuing excellence in everything they do.
Beyond our qualified and experienced planners, we have built a remarkable support infrastructure of paraplanners and administrative staff who maintain exceptional standards, constantly looking ahead and asking: "What's next?"
We use a structured 4-stage process to create your personalised protection strategy.
We begin by examining what you need to protect - your income, dependants, debts, lifestyle costs and business interests. This thorough assessment helps us understand what financial impact unexpected events could have on you and your family.
With your consent, we design a comprehensive protection strategy tailored to your situation. We then outline our recommendations (aligned with your budget and priorities). This addresses crucial areas including life cover amounts, income replacement levels, critical illness definitions and policy term lengths.
Once you approve the proposed protection, we will implement the agreed solutions. This requires careful work by the Castlegate team - researching suitable providers, completing applications, arranging medical underwriting and establishing policies - ensuring all coverage works cohesively together.
After your protection is in place, we provide ongoing support for any questions that emerge. We also proactively monitor your coverage, organising periodic reviews to ensure your protection keeps pace with life changes. As your circumstances develop or policies mature, we recommend appropriate adjustments.
Engaging with a protection specialist delivers more than insurance policies and premium payments. It provides security and reassurance for your family's future. At Castlegate, clients consistently mention they appreciate:
Most importantly, protection planning gives you freedom to focus on living your life, knowing your family's financial future is secure, whatever happens.
Whether you have existing protection to review or are starting from scratch, protection planning begins with a conversation.
We offer a free, no-obligation initial consultation, giving you the opportunity to:
If you are ready to ensure your family's financial security, we would love to speak with you.
Castlegate Financial Management Limited is registered in England No. 2077374. Registered Office: 8 Castlegate, Grantham, Lincolnshire. NG31 6SE. Authorised and Regulated by the Financial Conduct Authority. FCA No. 169777.
