Insurance and Protection

Life Insurance and Critical Illness

None of us enjoy thinking of a time when we may leave our loved ones to fend for themselves. However, with the appropriate life insurance cover, you can find some reassurance. Life insurance works by either paying a lump sum or a regular income after your death, so you can rest assured that your loved ones are financially protected. You'll simply pay an inexpensive premium each month. We understand that everyone's needs are different, and can accommodate various different covers.

If you're a business owner, we can also offer advice on relevant life cover, which is a tax-efficient life insurance policy. This will benefit you, your employees, and your business as a whole.

We can also help with critical illness cover, which will protect you if you contract a stroke, heart attack, various cancers, and many other conditions. Permanent disabilities may also be covered, however this will always be granted via a single payment rather than monthly ones.

For more information, don't hesitate to contact us.

Family Income Benefit and Income Protection

If you conduct a critical illness or are dying, a Family Income Benefit policy will help you by paying a regular income, to replace the income that would have been offered by the holder of the policy. This can be crucial for paying various expenses, such as home or school fees. These will be received via monthly payments.

Alternatively, we can also help you with Income Protection Cover, which will pay a percentage of your income if you find yourself unable to work due to an injury or health condition. This is particularly beneficial for those who are self employed, and may not receive sick pay from their employers. Many people find this cover to be confusing, so we are here to help. Don't hesitate to contact us with any questions or queries.