At David Williams IFA Mortgage & Insurance Services (DW MIS), we’ve always believed that financial wellbeing should be accessible, personal and empowering.
Over the years, we’ve had the privilege of working closely with businesses of all sizes and industries – and one thing is consistently clear: when people feel financially secure, they perform better, feel more confident, and build stronger futures for themselves and their families.
That’s why I’m proud of the work we do at DW MIS, especially when it comes to our Financial Health Checks. These are comprehensive, free of charge reviews we offer to the staff and directors of other companies, covering Personal Mortgage Reviews, Personal Insurance Reviews (including life insurance, critical illness cover and income protection), and, for senior team members, Shareholder and Key Person Protection. We can also review group policies for the whole staff /team, such as Private Medical Cover.
We’re not just here to tick a box – we’re here to make a real difference.
When we talk about a Financial Health Check, we’re talking about taking the time to sit down with someone – one-to-one – and help them understand where they stand financially. Too many people are unsure if they’re on the best mortgage deal, or they’re relying on life insurance policies that were taken out years ago and might no longer be fit for purpose.
A Financial Health Check typically covers these core areas:
Personal Mortgage Reviews
Mortgages are usually the biggest financial commitment people make, but surprisingly few review them regularly. Interest rates, fixed terms and personal circumstances change – and that can open opportunities to save money or make smarter choices.
I’ve helped people remortgage to new lenders where savings could be achieved, or guided them through product transfers that aligned better with their lifestyle or future goals. Sometimes it’s not about switching products at all – it’s about offering reassurance that they’re in a good place or giving them a plan for when the current deal ends.
Insurance Reviews
Protection is something many people overlook until it’s too late. Our reviews cover life insurance, critical illness cover and income protection. These areas are incredibly important –not just for individuals, but for their families too.
A lot of people assume their work policies cover everything, but when we sit down and look at the detail, there are often gaps or overlaps. We help them understand what they actually have, what they might need, and how to put the right protection in place without overpaying.
It’s one of the most rewarding parts of the job – knowing that if something unexpected does happen, someone’s family won’t be financially exposed.
Shareholder and Key Person Protection
When we’re working with company directors or business owners, we also review shareholder protection and key person cover. This isn’t just about protecting individuals – it’s about protecting the business itself.
If a director were to become critically ill or pass away, it could leave a huge gap in leadership, revenue generation, or ownership structure. With the right cover in place, businesses can navigate those situations with stability. It’s something that often gets put off until it’s too late, and I’ve seen first-hand how valuable it can be when things don’t go as planned.
Private Medical Care
A healthy work force is a happy and productive one. Private medical care offers faster access to treatment, specialist consultations, and private hospitals, ensuring peace of mind during health concerns.
As protection advisers, we recommend it to help clients avoid NHS waiting times, receive prompt diagnoses, and maintain financial stability during illness, enhancing their overall wellbeing and recovery experience.
Why we do this — for you, and your business
We started offering these Financial Health Checks to businesses not just because we saw a need, but because we saw the difference they made. Employees who feel confident about their finances are more productive, more loyal, and more engaged. Directors with the right protections in place sleep better at night.
For businesses, it’s a win-win:
- You show your team that you care about their wellbeing.
- You strengthen your business by securing your key people.
- And you stand out in a competitive recruitment market by offering something genuinely valuable.
- We don’t charge for the health checks. There’s no pressure, no obligation – just a genuine opportunity for people to gain clarity and peace of mind. We can run sessions in person at your office and offer your staff individual one-on-ones as we appreciate that many people prefer financial matters to be private.
Why talk to us?
What makes us different at DW MIS is that we’re independent. We’re not tied to any one lender or insurance provider, which means our advice is always tailored. We look at the whole market and recommend what we truly believe is best for the individual.
But more than that, we take the time to listen. Every person’s situation is unique – what works for one might not work for another.
We treat every conversation with care, confidentiality and a real desire to help.
Whether you’re an HR director looking to support your team or a business owner thinking about how to protect your company’s future, we’d love to have a conversation.
These Financial Health Checks are more than just a perk – they’re a practical, powerful way to support the people who matter most to your business.
If we can help even one person sleep easier at night, or help one company avoid a major financial shock, then we’re doing our job right.
Feel free to reach out – we’re always happy to talk.
To find out more about David Williams IFA Mortgage & Insurance Services by calling 01604 250280, visiting the website here, or contacting Director, Chris Peck, on 07711 035 258 or chrispeck@dwifa.co.uk
David Williams IFA Mortgage & Insurance Services is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.
