Protecting you and your family
If we’re honest, no-one likes talking about insurance because it’s upsetting to think about their life changing because of illness or death of a family member. We’re far more comfortable thinking about insuring our car; legally we have to, but also because we wouldn’t want to be without our transport.
It is important that we stop and think of what would happen to us or our family if we weren’t here or were unable to work due to a serious illness. How would we manage? Would we lose our home? Where would we live?
Please find time to consider the impact and talk to us to find what is available to support you when it would be most needed.
Life Insurance
Term assurance is one of the cheapest forms of Life assurance. It pays out a lump sum in the event of your death during the term of the plan to give financial security to your family.
Critical Illness
This covers you and your family against the financial impact of a specified critical illness and loss of income through sickness. It pays out a lump sum should you be diagnosed with a serious illness. The type of illnesses covered varies depending on the provider and type of policy selected.
Income Protection
This is a long term insurance that pays a monthly income should illness or injury prevent you working (generally restricted to 60% of your income, but it varies between providers). It pays out the sooner of until you can start working again, you retire, die or at the end of the policy term.
Family Income Benefit
This is a type of life insurance that provides your family with a regular monthly tax free income if you die during the term of the plan.
Accident, sickness and unemployment cover
It is designed to protect your income if you are unable to work through sickness or accident or in the event of forced redundancy. It is a short term policy which means any benefits are only paid out for a short period of time, typically 12 to 24 month.
Building and contents insurance
When you take out a mortgage the lender will require you to have Buildings Insurance in place, which covers the structure of your home and permanent fixtures such as kitchen, bathroom against things like fire, flood and accidental damage. Contents insurance covers personal possessions you keep in your home such as furniture, electrical goods and clothing.
Landlord Insurance
This is an insurance policy that covers a property owner for claims connected with their rental properties. It generally includes buildings and contents insurance, but can also include landlord-specific covers such as property owners’ liability, loss of rent and tenant default insurance.
- Get in touch
Providing guidance and support from the initial contact to completion
Our advisers and support staff will guide you through the process beginning to end and will be on hand to answer any queries you may have. So please get in touch, we would be delighted to hear from you.
Read More