Helping you to protect your home and family

We will offer you advice on protection. We offer a holistic approach and aim to develop lifelong relationships with our clients, not only reviewing their present needs but also considering future possibilities and ensuring that regular reviews are undertaken to continually check the protection is relevant to you.

We believe it’s vital to protect what matters most and in order to look after what you’ve built………

Life cover

Life insurance is a financial product that enables you to leave behind money for your family if you die. This can be used to support them for a number of years, to replace lost income, or to pay off a large debt such as your mortgage.

You pay a monthly premium for life insurance. Your age, health, lifestyle and how much cover you need, as well as the type of policy you have, will all determine how much you pay.

The most basic type of life insurance is called term life insurance, where you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, the policy pays out to your beneficiaries. If you don’t die during the term, the policy doesn’t pay out and the premiums you’ve paid are not returned to you.

Critical Illness

Critical illness is a form of insurance, often sold alongside life insurance, which will provide you and your family with financial help if you develop a serious health issue.

If you are diagnosed with a critical illness, it can have a severe impact on your finances as you may need to take time off work for your treatment and recovery. Critical illness insurance is designed to help, paying out a lump sum payment if you are diagnosed with one of the specific critical illnesses covered by your policy

Income Protection

Formerly known as permanent health insurance, income protection is an insurance policy that pays out if you’re unable to work because of injury or illness.

Income protection usually pays out until retirement, death or your return to work, although short-term income protection policies, which last for one or two years, are also available at a lower cost. Neither income protection or short-term income protection pays out if you’re made redundant – but they will often provide ‘back to work’ help if you’re off sick.

Only a minority of employers support their staff for more than a year if they’re off sick from work.  Given the low level of state benefits available, everyone of working age should consider income protection.

Business Protection & Key Person Insurance

Key Person Cover allows you to protect your business from the financial impact of losing a key employee (including owners/managers), whose death or illness would have a significant impact on the financial position of the business.

It can be arranged to provide either a regular income if the key person is unable to work because of an illness or injury, or a lump sum if they die or are diagnosed with a critical illness.

Business Cover allows you to protect your business from the impact of losing a shareholder or partner, whose death or illness would have a significant impact on the business.

Relevant Life Plans allow you to provide employees (including directors) with tax efficient death in service benefits without the need for, or alongside, a pension scheme.

It can be arranged to provide a lump sum if the employee dies or is diagnosed with a terminal illness.

Family Income Benefit

Family income benefit is a special type of life insurance policy. Generally, with life insurance, your loved ones will receive a lump sum payout from your policy if you die. It’s then up to them to handle that money as they wish. With family income benefit, your loved ones will instead be paid a regular income for a set period.

When you take out a family income benefit policy, you stipulate what income you would need your loved ones to receive, and over what time period. The insurer will work out what monthly premium you would need to pay in order to secure that cover. At the outset, figure out what sort of income would be needed your family to be financially stable should you pass away.

If you die after the term of the policy has finished, there will be no monthly payout to your loved ones.

Buildings and contents insurance

Buildings & Contents Insurance provides you with peace of mind by protecting your home, contents and personal belongings from damage or loss whilst also protecting your legal liabilities as a property owner or occupier.

Call us now to arrange a review of your protection needs

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