Protection
We can help you find the right protection for you and your family, whatever your circumstances. We will identify your needs, so we can access the whole of the protection market and recommend the most suitable products to suit your needs.
Life Insurance
Making sure that your family is financially secure should you die unexpectedly is a wise step. Life Insurance will give those you leave behind a tax-free lump sum to make sure they are financially protected and able to maintain their lifestyle. Each Life Insurance policy is individually underwritten ensuring that the price we give you after full medical disclosure and underwriting is the price you will pay. Life Insurance is available as a level (fixed), decreasing or an increasing sum depending on what you are covering and it is important you choose the right one. You can cover a mortgage liability in the event of death, you can also make sure you leave money to your family and loved ones in your absence to pay for bills, childcare and living costs etc.
Critical Illness
Critical Illness cover is an Insurance to protect you and your loved ones financially in the event of being diagnosed with a Critical Illness. In this situation, the policy would provide a tax-free lump sum payment upon diagnosis, meaning that you can concentrate on getting better without having to worry about finances or the costs of everyday living whilst not receiving an income. As with most Insurances, there are various types of cover including an additional Children’s Critical Illness cover that can usually be added to a policy.
Income Protection
Knowing that your employment might be affected by a future illness, an accident or an uncertain job market, Income Protection means you can make plans that can safeguard your financial security should you suddenly find yourself unable to work. An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income if you are unable to return to work up until the end date of the policy. This type of plan is designed for anyone who is working be it employed or self-employed. If your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential.
Family Income Protection
Most families rely on at least one regular monthly salary to cover their household expenditure. How would your household cope financially if you lost a source of income either due to death or a critical illness? Similar to Income Protection, a family income protection policy will pay out a monthly tax-free income if you die or become critically ill during the term, until the policy ends.
Contact Us
If you have any questions, require help and advice or wish to book an appointment, please call us on 01375 678833 or 07746 534448, alternatively send us a message using the contact form below. We aim to reply within 2 business hours.