{"id":2743,"date":"2023-12-06T08:09:52","date_gmt":"2023-12-06T07:09:52","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=2743"},"modified":"2025-04-07T13:43:50","modified_gmt":"2025-04-07T11:43:50","slug":"protection-is-for-the-tough-times","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/","title":{"rendered":"Protection is for the tough times"},"content":{"rendered":"<p><em>It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support that protection cover offers might not be the wisest move.<\/em><\/p>\n<p><strong>Take a step back.<\/strong><\/p>\n<p>Some households are considering reducing their level of protection, potentially leaving themselves vulnerable to financial shocks. With higher household bills and mortgage or rent costs, protection is more important than ever right now. Sometimes the instinctive response is not the best one!<\/p>\n<p><strong>Think it through.<\/strong><\/p>\n<p>By cancelling or postponing taking out cover, there is a risk that, should the worst happen, you and\/or your dependents will be left in a difficult financial position. Have you considered how your family would be able to afford all the monthly outgoings if they were to lose the income of the primary earner through death or illness?<\/p>\n<p><strong>Unique needs<\/strong><\/p>\n<p>Protection is an essential part of long-term financial planning. We can help you find the right cover for your unique needs.<\/p>\n<p>\ud83d\udea8 Data accurate as of the date of publication \u2013 06.12.2023<\/p>\n<p>\ud83d\udea8Think carefully before securing debts against your home.\u00a0 Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\n<p>\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n<p>&nbsp;<\/p>\n<p>Source: Quilter Financial Planning \u2013 Essentially Mortgages Q4 2023<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support that protection cover offers might not be the wisest move. Take a step back. Some households are considering reducing their level of protection, potentially leaving themselves vulnerable to financial shocks. With higher [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2711,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-2743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Protection is for the tough times - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protection is for the tough times - Prestige Financial Advisers\" \/>\n<meta property=\"og:description\" content=\"It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/\" \/>\n<meta property=\"og:site_name\" content=\"Prestige Financial Advisers\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-06T07:09:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-07T11:43:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Prestige-FA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Prestige-FA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Protection is for the tough times - Prestige Financial Advisers","description":"It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/","og_locale":"en_US","og_type":"article","og_title":"Protection is for the tough times - Prestige Financial Advisers","og_description":"It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support...","og_url":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/","og_site_name":"Prestige Financial Advisers","article_published_time":"2023-12-06T07:09:52+00:00","article_modified_time":"2025-04-07T11:43:50+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg","type":"image\/jpeg"}],"author":"Prestige-FA","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Prestige-FA","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#article","isPartOf":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/"},"author":{"name":"Prestige-FA","@id":"https:\/\/pfadvisors.co.uk\/en\/#\/schema\/person\/50d699ec759d89772430606ad51a083e"},"headline":"Protection is for the tough times","datePublished":"2023-12-06T07:09:52+00:00","dateModified":"2025-04-07T11:43:50+00:00","mainEntityOfPage":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/"},"wordCount":254,"image":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#primaryimage"},"thumbnailUrl":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg","articleSection":["Archive - Articles from 12 months ago"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/","url":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/","name":"Protection is for the tough times - Prestige Financial Advisers","isPartOf":{"@id":"https:\/\/pfadvisors.co.uk\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#primaryimage"},"image":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#primaryimage"},"thumbnailUrl":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg","datePublished":"2023-12-06T07:09:52+00:00","dateModified":"2025-04-07T11:43:50+00:00","author":{"@id":"https:\/\/pfadvisors.co.uk\/en\/#\/schema\/person\/50d699ec759d89772430606ad51a083e"},"description":"It can be tempting to cancel your protection when times are tough and you\u2019re tightening the purse strings. But removing the vital support...","breadcrumb":{"@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#primaryimage","url":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg","contentUrl":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2023\/11\/4.-Ubezpieczenie-w-trudnych-chwilach.jpg","width":940,"height":788,"caption":"Ubezpieczenie"},{"@type":"BreadcrumbList","@id":"https:\/\/pfadvisors.co.uk\/en\/protection-is-for-the-tough-times\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/pfadvisors.co.uk\/en\/"},{"@type":"ListItem","position":2,"name":"Archive - Articles from 12 months ago","item":"https:\/\/pfadvisors.co.uk\/en\/kategoria\/archive\/"},{"@type":"ListItem","position":3,"name":"Protection is for the tough times"}]},{"@type":"WebSite","@id":"https:\/\/pfadvisors.co.uk\/en\/#website","url":"https:\/\/pfadvisors.co.uk\/en\/","name":"Prestige Financial Advisers","description":"Polska firma doradztwa ubezpieczeniowego w UK","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pfadvisors.co.uk\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/pfadvisors.co.uk\/en\/#\/schema\/person\/50d699ec759d89772430606ad51a083e","name":"Prestige-FA","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c01713e825afad3aa6c68cacf3ba6156cc972eeafe14f0117e01a62f08d90a65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c01713e825afad3aa6c68cacf3ba6156cc972eeafe14f0117e01a62f08d90a65?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c01713e825afad3aa6c68cacf3ba6156cc972eeafe14f0117e01a62f08d90a65?s=96&d=mm&r=g","caption":"Prestige-FA"}}]}},"_links":{"self":[{"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/posts\/2743","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/comments?post=2743"}],"version-history":[{"count":1,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/posts\/2743\/revisions"}],"predecessor-version":[{"id":2744,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/posts\/2743\/revisions\/2744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/media\/2711"}],"wp:attachment":[{"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/media?parent=2743"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/categories?post=2743"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pfadvisors.co.uk\/en\/wp-json\/wp\/v2\/tags?post=2743"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}