Protecting what matters most
Guiding you to the right policy for complete peace of mind.
Cover tailored to you and your family
Personal insurance is designed to provide financial security to your dependants if you’re no longer able to provide. Personal insurance cannot compensate for the loss of a loved one but it can provide valuable peace of mind at the most difficult of times.
Fixed term or whole of life insurance
Cover can be arranged for a fixed term or on a whole of life basis, where the benefit will be paid whenever you die. The benefits provided can be paid out as a lump sum or as a monthly income.
The amount of money paid out depends on the level of cover you buy. You decide whether it will cover specific liabilities such as your mortgage or rent payments or include additional cover for other outgoings.
Critical or serious illness cover is often combined with general life insurance and can help to provide additional financial security, as it pays out if you are diagnosed with having one of the illnesses specified in the policy. This support removes the financial strains and worries that are so often a consequence of an unexpected life changing event, allowing individuals and their family to focus on coping with the other challenges that may be involved.
With so many choices to make it is vital that you get advice from an expert. Our fully qualified advisors will be delighted to talk to you and explain all of the choices available and will recommend a policy that is tailored to your specific needs.
As with all insurance policies, conditions and exclusions will apply.
Income Protection
It ensures that you will continue to receive a regular income, by paying an agreed monthly benefit for the remaining term of the policy, which can be set as your retirement age or to match your mortgage term.
It covers most illnesses that leave you unable to work – either in the short or long term and you can claim as many times as you need to while the policy is in force.
You can shape the policy to suit your individual circumstances by deciding:
- The monthly benefit amount (this could cover just your mortgage payments or include other monthly outgoings up to a maximum of 70% of your pre-tax pay)
- How long you are unable to work before the benefit is paid (you may have benefits provided by your employer that will cover short periods of sickness) The longer you wait, the lower the monthly premiums.
- The term of the policy
- Whether to include unemployment cover
With so many choices to make it is vital that you get advice from an expert. Many income protection policies will only pay out if you are unable to perform any occupation but the best policies will provide cover if you are unable to follow your own occupation and we believe this type of policy is best for our clients.
As with all insurance policies, conditions and exclusions will apply.
Critical Illness Cover
Cover can be arranged for a fixed term or on a whole of life basis, where the benefit will be paid whenever you die. The benefits provided can be paid out as a lump sum or as a monthly income.
The amount of money paid out depends on the level of cover you buy. You decide whether it will cover specific liabilities such as your mortgage or rent payments or include additional cover for other outgoings.
Critical or serious illness cover is often combined with general life insurance and can help to provide additional financial security, as it pays out if you are diagnosed as having one of the illnesses specified in the policy. This support removes the financial strains and worries that are so often a consequence of an unexpected life changing event, allowing individuals and their family to focus on coping with the other challenges that may be involved.
With so many choices to make it is vital that you get advice from an expert. Our fully qualified advisors will be delighted to talk to you and explain all of the choices available and will recommend a policy that is tailored to your specific needs.
As with all insurance policies, conditions and exclusions will apply.
Family Income Benefit
It ensures that you will continue to receive a regular income, by paying an agreed monthly benefit for the remaining term of the policy, which can be set as your retirement age or to match your mortgage term.
It covers most illnesses that leave you unable to work – either in the short or long term and you can claim as many times as you need to while the policy is in force.
You can shape the policy to suit your individual circumstances by deciding:
- The monthly benefit amount (this could cover just your mortgage payments or include other monthly outgoings up to a maximum of 70% of your pre-tax pay)
- How long you are unable to work before the benefit is paid (you may have benefits provided by your employer that will cover short periods of sickness) The longer you wait, the lower the monthly premiums.
- The term of the policy
- Whether to include unemployment cover
With so many choices to make it is vital that you get advice from an expert. Many income protection policies will only pay out if you are unable to perform any occupation but the best policies will provide cover if you are unable to follow your own occupation and we believe this type of policy is best for our clients.
As with all insurance policies, conditions and exclusions will apply.
