Building a legacy for your loved ones
Financial security for your family
Peace of mind

Insurance and Protection

When you get to the stage in life where family members are relying on you for their standard of living, it’s important to think about protecting your income in case you’re forced to stop working through illness, or worse.

It’s not a particularly nice subject to have to talk about, but it’s an important one because the financial impact of a serious accident, illness or unexpected death can be emotionally and financially devastating. That’s why, as part of their financial planning service, our advisers will want to understand your current circumstances, how they might be impacted in the event of incapacity, illness or premature death and how we can counteract the negative impact by putting the right financial protection in place.

Your financial planner will look at the features and benefits of products including income protection, personal health insurance, critical illness cover and life cover, and discuss whether individual, or joint cover is best for you.

The value of protection or insurance is more than providing a replacement income or lump sum to cover the basics and make sure the mortgage is paid.

Specialist advice areas

Mortgage protection

Taking a mortgage is a big financial commitment and lenders reserve the right to repossess a property if the mortgage…

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Private medical insurance

People tend to take out Private medical insurance (PMI), or Private Health Insurance (PHI), when they want choice,…

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Family Income Benefit

Family Income Benefit is a life insurance policy that pays a guaranteed monthly income for a set period, on the death…

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Critical illness cover

Critical illness cover pays out a tax-free lump sum if you’re diagnosed with a specified illness within the policy…

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Life insurance

Normally you wouldn’t think twice about insuring your home or car, or even material things, like jewellery and prized…

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Income Protection

Income protection plans do exactly what they say on the tin. Unlike a critical illness or life insurance policy, which…

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Get in touch

To get started with insurance and protection planning, telephone us on…

or fill out our callback form and one of our advisers in your area will get back to you at a convenient time…

Contact us

Find an adviser

Where and how we meet depends on whatever’s most convenient for you, but we have a number of locations around the UK if you’d prefer to come to us.

Find an Adviser

Other services we offer

We provide a complete range of financial services with specialists in every category so that we can match you with the most suited adviser for your needs

It’s beyond financial advice,
this is Life Landscaping®.

Amber River is a new way of thinking about and creating the life you’ve always dreamed of.



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Small, but important print

Registration Number 11942058
Registered in England and Wales

Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at

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