We believe that insuring your life, health or business is fundamental to your overall financial strategy. The importance both to individuals and businesses of adequate insurance cover cannot be overestimated. Our specialist expertise is family and business protection; this includes health, accident and critical illness cover, private medical insurance, company and partner insurance and cover to provide for long term care.

There are many different protection options available; making the right decision to protect your personal and financial situation can seem overwhelming. We can make sure that you are able to take the most suitable decisions to deliver peace of mind for you and your family in the event of a passing, critical illness or if you are too ill to continue with work.

At FSC Investment Services Limited, we have access to the full range of products available from the whole financial market with forward planning with the most suitable protection products on your side.

Protection Services

  • Term Assurance
  • Critical Illness and Income Protections
  • Private Medical Insurance
  • Whole Of Life
  • Disability Insurance
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Term Assurance

Term assurance is a form of life insurance that is inexpensive and pays out a lump sum in the event of the death of the policy holder, should the death occur within the constraints of the policy.

As Term Assurance is taken out over a specific period of time there is no guarantee that the lump sum will be paid out, this could be due to the policy holder passing away after the termination date of the policy.

Term assurance can be used for covering key employees, business partners or where there is a financial risk or interest.

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Critical Illness Cover

These policies are either bough in conjunction with a Whole of Life or indeed a Term assurance policy.

The benefit of these policies is that they pay out a sum of money on the diagnosis and acceptance by your insurers that you have a critical illness, the plan is designed in such a way that it is claimed whilst you are suffering your illness, the money can be used for paying for medical treatment, paying bills or if the condition is terminal it may be so that you can spend precious time with your loved ones and not having the worry of financial burden hanging over you.

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Medical Insurance

Private Medical Insurance is taken out in order to provide private medical care in a private hospital or in a private NHS ward. This is designed mainly to pay for the cost of short-term acute conditions. It does not generally cover primary care and routine health, dental or eye checks

There are now many different types of policies and cover levels making Private Medical Care more affordable to you. Many of the policies will also pay for out-patient treatment, and some do offer additional benefits such as payment for home nursing or alternative medication.

Whole of Life Insurance

When protection is required throughout your life

Whole of Life Insurance policies are life assurance policies providing life cover throughout the whole life of the policy holder.

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Whole of Life Policies

These policies as their name implies are designed to last for a person’s whole of their life.

Normally written in trust for Inheritance Tax mitigation purposes these policies can also be written just so someone can have peace of mind knowing that they are going to leave their beneficiaries with a lump of capitol when they are no longer here.

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Disability Insurance

The disability plan is designed to pay you either a lump sum or a regular income during your permanent or temporary Disability.

As with Critical Illness the plan benefit can be used to alter your property making it more ‘user friendly’ during your disability, you may need assistance be it from care workers or for to purchase hoists lifts wheelchairs etc.

Contact Us

To request a callback, please fill out the below form and one of our team will be in touch.


Here are some brief comments from our clients.

“I have known Frank Cochran for about 15 yrs. He is professional and straightforward in his financial advice. Frank and his team at FSC are more like friends than advisers, they always look out for you. My finances could not be in better hands”

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Mrs D Saunders

“A learned man and well respected in his knowledge of finance throughout the corridor of top financial institutions, yet in all the years since that meeting in 1997, I have never encountered Frank to try and baffle me with financial jargon, glit financial anecdotes , no quotes of superiority to make me feel inferior or naive! He speaks clearly on layman terms which I can comprehend and follow with comfort, and at the same time feel at ease with that choice of investment and also at ease with adviser”

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Mr M Jones

“FSC Investments have been my financial advisors for nine years. During this time I have been very impressed by their thoroughness and professionalism. I find the twice a year review meeting very helpful”

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Miss R James

“We have had the peace of mind of knowing that our money is being looked after very professionally and in an understandable way”

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Mr & Mrs T Cox

“I am not a high risk taker so the fact that Frank has steered my investments through a number of very difficult years and still made handsome profits has been a credit to his integrity and skill as a Wealth Manager”

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Mr R Bennet

“I have been a client of Frank Cochran since 1999. Following my retirement I was keen to ensure a safe and reliable return for my investments. For the last 15 years Frank has skillfully guided me through a number of potentially fatal financial situations. Stock markets have crashed and rallied only to fall again, but Frank and his team have protected my money from losses and have often made money when friends and others have made substatial losses. Frank is trustworthy, friendly and above all he talks plain english in a way that everything he does is understood. I’d thoroughly recommend him to anyone”

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Mr L Williams

“We have known Frank for 15 years. After selling my shop we had money to invest. Frank was recommended to us as a safe pair of hands to invest this money. In all the time we have been with frank he has been very approachable and friendly. We look forward to our regular six monthly reviews and are happy to say we have never been let down”

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Mr & Mrs Caddick