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What is it that you want in life?
A good standard of living? A nice house, nice car, holidays, maybe to go out every Friday, maybe even to support the local cat charity.
If you suffered an illness or accident and you couldn’t work, how would you manage financially do the things that mean the most to you?
If you where to die, not only could it be emotionally devastating for those around you but it could be financially crippling for your family.
If you are concerned about income or life protection, submit your details and we’ll arrange an appointment in the comfort of your own home and at a time to suit you.
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Life cover, income protection, Critical illness and business protection are all areas we cover, Life cover is available as mortgage protection, which as a decreasing term life insurance, it follows the capital portion of a repayment mortgage reducing over the specified term.. Life cover can be level term which can be used to cover an interest only mortgage or a financial shortfall in the event of death, also available is family income benefit, this is life cover which pays an income for a specified term , for example it can be used to create a regular income until your children reach 18.
Income protection is probably one least used products and these most useful, income protection is available on both short and long term contracts, the products are called ASU and PHI. PHI is the better product of the two offering protection till you retire, return to work or die and that could be a long way off, the typical amount of cover is around 50% of your normal income.
Critical illness cover is designed to payout on diagnosis of specified illnesses and that you live for a certain amount of time afterwards. This type of cover really is “you get what you pay for” with some policies covering 23 illnesses and others may be as high as 38 and that’s a big difference.
Business protection covers two main areas, key man cover and partnership cover, in businesses with over 10 people this type of cover can provide necessary cash flow when it’s needed most.
Life cover, critical illness and Income protection
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