Unfortunately, none of us can predict the future, but it is important to prepare for hard times whilst the times are good. The effects of death, illness & redundancy can be devastating, and ultimately can lead to the loss of your home. With the right protection in place you can avoid any additional worries about your finances. At PJM, I listen to what is important to you and make sure you have the right protection in place and within the budget that you wish to spend. I will look at several different protection providers in order to match your needs and requirements.