Life doesn’t always go according to plan

Ensure you’re not disadvantaged by the financial consequences of unexpected events.

Protection policies we can discuss and offer include:

Income protection (Permanent Health Insurance)

Take money worries out of an already stressful time – a tax-free income if you become unable to work for an extended period.

Life assurance

None of us is immortal! Could your family cope without you?

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical illness cover

This policy will cover you and your family if you’re diagnosed with a life-threatening illness. It’s a huge weight off your mind at a time when you need to put your energies into recovery or making the most of the time you have left.

The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Mortgage protection

Your mortgage is likely to be the biggest loan you ever have. Your home is probably your biggest asset but it can be at risk if you find yourself unable to keep up repayments.

Protection policies can provide life cover (in the event that you unexpectedly pass away) and/or critical illness cover (if you are diagnosed with and survive one of a predetermined range of life-altering illnesses).

Family income benefit

These types of policies can offer you life cover and/or critical illness cover. Family income benefits will provide an ongoing income for your family.

Whole of life

This insurance is payable in the event of the policyholder’s death. You can use this type of policy in conjunction with inheritance tax planning, to the advantage of your family and inheritors.

Private Medical Insurance (PMI)

Avoid long NHS waiting lists and increase your chances of a quick or full recovery.

Contact us to arrange a free, no obligation, initial consultation.