No one knows what the future holds. Our consultants will advise you on the right solutions to protect you and your loved ones, should life take an unexpected turn.
By understanding you, we determine the type and level of cover you and your family need. We research the whole marketplace before making a recommendation. This protection could allow you to pay off your mortgage, provide a lump sum or pay a regular income to lessen any financial worries in the event of an accident, illness or death.
The types of cover we advise on:
Life Cover
We don’t know what the future holds, but do you know how your family would cope if you were to die suddenly? Life insurance gives your family and loved one’s financial protection so they can pay for things like childcare and household bills. Safeguard your family’s future by getting the right life cover in place.
If you need advice on life insurance, please contact us to book an initial, no cost appointment.
Critical Illness Cover
A critical illness can affect us at any time and the chances of being ill increase as we get older too. It’s important to make sure you and your family have the right level of cover in place in case you or your partner fall critically ill.
If you need critical illness cover, please contact us to book an initial, no cost appointment.
Income Protection
Most employers cannot afford to provide their employees with generous, long term cover in the event of illness, especially in today’s economic climate. And with state benefits being cut and with more stringent assessments, you can no longer rely on the state should the worse happen. Income protection is a form of personal sick pay that is designed to offer cover for the long term (normally until your intended retirement date). It is designed to pay you a tax-free monthly benefit in the event of you suffering an illness. We have the expertise to help you choose the right cover for you.
If you need income protection, please contact us to book an initial, no cost appointment.
Mortgage Protection
Mortgage protection insurance is a life insurance policy that pays off your mortgage if you die during the mortgage term. Mortgage protection insurance is a decreasing term life insurance policy where the death benefit (life cover amount) on the policy is designed to go down over time like your mortgage balance does if taken on a repayment (capital & interest) basis.
If you need advice on mortgage protection insurance, please contact us to book an initial, no cost appointment.
Family Income Benefit
Family income benefit is a type of life insurance, however, unlike traditional policies that pay out a lump sum, family income benefit provides beneficiaries with a regular, tax-free income. Family income benefit gives your family and loved one’s financial protection so they can pay for things like childcare and household bills. Safeguard your family’s future by getting the right life cover in place.
If you need advice on family income benefit insurance, please contact us to book an initial, no cost appointment.
Gift Inter-Vivos Cover
A Gift Inter Vivos life assurance policy provides a lump sum to cover the potential Inheritance Tax liability on a gift (such as a cash lump sum to children) made during an individual’s lifetime, if the donor (person making the gift), dies within seven years of making the gift. It is important to seek professional advice in this area to ensure the right level of cover is taken for your individual circumstances.
If you need advice on gift inter-vivos insurance, please contact us to book an initial, no cost appointment.