When establishing a home, family or business, it is important to protect your interests in the event of serious illness, incapacity or death. We will work with you to identify the risks surrounding you, your family and your business.
Protection for Individuals, Self Employed & Families
Term Assurance
Level Term Assurance provides one single cash payment to your family if you die during the term of the policy. This lump sum would generally be used to cover funeral expenses, an outstanding mortgage and other debt. Alternatively it could be invested to provide a regular income.
Income Protection
An Income Protection Plan is a simple tax efficient and inexpensive insurance designed to provide you with an alternative income should you suffer any illness, accident, injury, or disability, which prevents you from doing your usual job.
Serious Illness
Serious Illness cover is a form of ‘living insurance’. Unlike life cover which pays a lump sum on your death, a Serious Illness policy pays a lump sum if you are diagnosed as suffering from one of a list of serious conditions. The lump sum paid is absolutely tax-free and aims to replace a loss of income and / or increased expenditure due to illness.
Mortgage Protection
Mortgage Protection cover is essential for anyone buying their own home. It’s designed to pay the outstanding balance of your mortgage, should you die before it’s paid off. The remaining sum of your mortgage will be paid directly to your mortgage provider so your loved ones won’t have to pay it.
Whole of Life
An insurance plan that lasts for a whole lifetime, and is not limited to a specific term. If you pass away this policy will provide a lump sum payment to your family. It can also provide tax-efficient inheritance planning cover for your family, so as not to impact their inheritance.
