We offer advice on a range of protection solutions to suit all needs including Life Insurance, Critical Illness, and Income Protection. We can review your existing arrangements to ensure they are still meeting your needs and advise you on any options which may be available.
In an ever-changing world, it is worth having these arrangements reviewed regularly. You review your home insurance, car insurance, mobile phone contracts to ensure you have the best deals and the latest models, why not review your Protection policies to ensure that is the case also?
Life Insurance helps provide financial security for people who depend on you, should you die. All the money in the world cannot replace a loved one but it can help those left behind financially e.g. it could pay off the mortgage or provide an income to help cover regular household expenditure or an inheritance for your children.
There is ‘no one-size fits all’ for life insurance - the most appropriate type for you will depend on your circumstances. Speak to us today and help protect the financial future of your loved ones.
Life Insurance will pay out either a single lump sum or a regular income when you die.
Critical Illness Insurance pays out a tax-free lump sum on the diagnosis of certain life-threatening or debilitating conditions including heart attack, stroke, cancer, major organ transplants, etc. The conditions that are included in a policy will vary from insurer to insurer.
Many people buy Critical Illness Insurance when they take on a major commitment like a mortgage or start a family. However, since we’d all like to have our financial commitments lightened if we were to suffer a serious illness or total permanent disablement, the level of cover need will vary depending on your circumstances so speak to our experts today to put a policy in place.
The most undersold insurance on the market BUT to us, is probably one of the most important.
Income Protection Insurance pays out a regular tax-free income if you become unable to work because of accident or sickness. It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.
Policies have a waiting period before they payout, which begins when you become unable to work. The longer the period chosen, the lower your premium. It’s a good idea to find out what your employer would pay you, and what state benefits might be available so you can choose an appropriate waiting period.
The premium you’ll pay will vary depending on your age, health, and the level of income you wish to protect.