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Life Cover & Critical Illness

It’s the things we leave behind that are infinitely most important. Protect the ones you love with life cover.

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Financial security for the people who matter most

Because life is truly unpredictable, it’s important to consider how the people who matter most will cope financially when you die. We can help you select the best cover policy so you can carry on and enjoy every moment, knowing your family will be taken care of.

If you are the main breadwinner or are a main contributor to the family’s piggybank, then taking out a policy will give you the peace of mind that loans are paid off and long term finances are taken care of if you’re not around to pay for them.

This money can be used to pay off large debts, mortgage expenses, education fees and childcare. It can also help lighten the financial load of day-to-day living, chipping away at food costs, utility bills and clothing. At Sheldon Flanders we evaluate every policy across a broad range of providers, bringing you the most suitable cover for you and your loved ones.

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Softening the financial blow with critical illness cover

And for the unexpected turns in life, there are lots of ways to soften the financial blow with critical illness cover. There’s no way of knowing what’s around the corner — a critical illness can impede your ability to work and severely affect your income and outgoings.

We make choosing the right cover policy for you and your family simple and straightforward. A common addition to life insurance, critical illness insurance covers you financially should you be unable to work, providing a lump sum on diagnosis to enable you to concentrate on your recuperation without having to worry about meeting outgoings or paying off debts.

We will research the marketplace to find the most suitable plan, meeting the desired level of cover over the term required.

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Andy Peat Design works hard to provide a targeted graphic design service to businesses, so it is important that affairs need to be covered with regard to unforeseen events and that financial cover is in place. My wife Lorraine and I recently wanted to review our affairs with regards to life insurance cover to see…
Andy Peat Managing Director, Andy Peat Design
When my mum received a letter from her bank asking if she was sure her investments for her pension were not mis-sold to her and please sign here to confirm she was ok with everything, she asked if I knew of anyone who could advise her. I immediately turned to Karen Sheldon of Sheldon Flanders…
EnviroVent EnviroVent Nottingham & Derby
As a small charity we are always needing a regular source of income to enable us to budget. I would like to thank Karen of Sheldon Flanders Financial Services, for making us their nominated charity. They have kindly set up a standing order to donate every month. This has helped us a huge amount, by…
Hope Animal Rescue Centre Nominated Charity
Like many self-employed people, my biggest financial concerns have always been whether I can pay next month's bills and is my cashflow good enough? However, as I'm about to turn 50 and my children are coming up to the end of their time in school the need to plan ahead came more and more to…
Ian Trembirth Owner, Trembirth Design
Karen has been handling my clients for some years now and the responses I get from them is overall just brilliant. She is professional and accurate in the way she explained and handled my clients and their needs. I will have no hesitation whatsoever in recommending Karen and her services she offers as an IFA…
Nigel Jones Director, Missing Element Mortgage Services
Being an expert insurance broker who pride ourselves on the service and products we provide to our customers, we have built a team of close referral partners who we know we can trust and will provide the same to our customers and contacts when we recommend to them. Having worked with Karen and her team…
Oakes Insurance Oakes Insurance Brokers
As the founder of OnDemand Business Support who helps other businesses save time through providing professional office support, I was delighted to meet Karen Sheldon. She made renewing Life Insurance easy whilst offering expert advice on products and benefits of the various policies. Karen and her team were professional, pleasant to deal with and made…
Karey Roberts Director, OnDemand Business Support
A big thank you for your input last night at the "So you want to be a landlord" event. I hope the inclusion of "the portfolio of investments" made people think about how they spread their risks! Your content was exactly what I was after and your timing perfect! Keep the presentation as I may…
Pink Mortar Property Sorter
Here at Print Spin we have been going for 28 months and in that time have seen real business growth. I thought it was the right time to get the not really exciting stuff in business sorted, a pension! We turned to Karen Sheldon at Sheldon Flanders Financial Services based in Derby for this. Karen…
Ben Deabill PrintSpin
I had been fortunate enough to have worked within TNT and latterly CEVA Logistics for thirty-four years, and during this time all my pension requirements had been dealt with by my employers. However, in August 2008 I was made redundant, and therefore my pension was frozen. Not having been in this situation before I was…
Richard Catley Technical Services Manager (Ret.)
I would like to take this opportunity to thank Karen for her assistance with our recent financial planning. Karen's advice, expertise and patience makes the complex world of tax planning certainly seem a lot less stressful and Karen's knowledge of the industry is second to none. I can highly recommend Karen's services for any financial…
Saffron Jubilee Business Park
As the main income earner in our household, with 3 children, I had been worried about what might happen to me and more importantly my family should anything happen to me. I knew I needed to seek advice but had always put it off, as I have very little knowledge about all things financial services…
Sam Rathling LinkedIn Expert
I first met Karen when I very first started my business JMW Energy Consultants 6 years ago. It was Karen that made me realise how important it is to protect my family from financial hardship if I was to unexpectedly pass away or become critically ill and not be able to work. Karen listened to…
Jenna West Owner, JMW Energy Consultants
Sheldon Flanders Financial Services provided exceptional guidance when evaluating our corporate insurance and pension arrangements. Karen's thorough approach, clarity, and deep market knowledge gave us total confidence in our planning. We highly recommend Karen to any business looking for dependable, high-quality financial advice.
UK Global Ventures Business Client
Working alongside Karen Sheldon and Sheldon Flanders Financial Services has been an absolute pleasure. Her client-first mentality, prompt communication, and dedication to finding the best financial protection products make her a trusted partner. We consistently recommend Karen to our clients and colleagues.
Utility Warehouse Partner & Business Client
I'd like to say a massive thank you to Karen at Sheldon Flanders. I went to see Karen when I finally realized that I needed to get my historic pensions sorted out and all brought together. Karen took all the time I needed to explain my options, the benefits and downsides of each option and…
Beth Nadin Purple Squirrel Consultancy Ltd

What we do

From protecting your family and business to planning for retirement and future wealth, our tailored financial solutions are designed to give you confidence at every stage of life.

  • Personal pension

    Build a retirement plan that
    works for you, with tailored
    advice designed around
    your goals, lifestyle and
    long-term financial
    ambitions.

  • Shareholder protection

    Protect the future of your
    business with funding
    solutions that enable shares
    to be purchased following
    the death or critical illness
    of a shareholder.

  • Key person protection

    Reduce the financial impact
    of losing a key employee
    and help safeguard the
    continuity, stability and
    future success of your
    business.

  • Investment

    Make your money work
    harder with investment
    advice tailored to your
    objectives, risk appetite and
    plans for the future.

  • Life cover and critical
    illness

    Provide financial security for
    the people who matter
    most, helping your family
    maintain their lifestyle
    should the unexpected
    happen.

  • Inheritance tax

    Protect more of your estate
    for future generations with
    proactive planning designed
    to minimise inheritance tax
    liabilities.

  • Long-term care

    Plan ahead for future care
    costs with strategies that
    help preserve your assets
    and provide greater peace
    of mind.

  • Income protection
    insurance

    Maintain financial stability if
    illness or injury prevents
    you from working, with
    regular income support
    when you need it most.

Let’s talk about your future

Whether you’re planning for retirement, protecting your family or
growing your wealth, we’re here to help you make informed
financial decisions with confidence..

Get in touch