Personal Protection

Life Insurance & Critical Illness Cover

A life insurance policy secures the financial future for your loved ones if you pass away, this can help pay off debts like a mortgage and make these events a little more manageable.

Our advisers are here to help ensure your life insurance is held in a suitable Trust, this means:

– Potential tax savings for beneficiaries, guaranteeing your loved ones receive what you intended to leave them.
– Money is paid quickly and not held up in Probate prolonging any financial stress.
– Funds can be managed by someone you appoint, after you’ve gone leaving you with peace of mind.

This money can help you and your family adapt to your change in circumstances or, if you die, help support your loved ones. You should always read the Key Features document and the policy terms and conditions. Our mortgage advisers can point you in the right direction. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

To find out more contact us, click here. 

What other types of cover are there?

As with any insurance policy you can tailor your policy to meet your needs. We can assist you with setting up just critical illness cover or combine your policy with life insurance cover.  Check out for more services below.

Life Insurance

Life insurance is a type of policy that protects your loved ones if you die. Most policies are designed to be paid out in a cash lump sum to your chosen benefactors once you pass away. See above for more information.

Critical Insurance

Critical illness cover provides a lump sum if you die or are diagnosed with a critical illness within the policy term, as long as your critical illness is one of those specified in the policy. See above for more information.

Income Protection

Income protection benefit pays a monthly benefit if you can’t work due to incapacity caused by illness or injury, resulting in a loss of earnings during the policy term. Income protection is there to ensure you continue to receive a regular income until you retire or are able to return to work.

Accident Protection

This can protect you and your family in case of loss of earnings brought about by serious injury by taking out personal accident insurance.

Home Insurance

Home insurance protects your property and your belongings. It can be either buildings insurance, contents insurance and combined buildings and contents insurance.

Landlord Insurance

Landlord insurance will help to protect landlords from risks associated with their rental property. It usually includes buildings and contents insurance.

Commercial Insurance

Commercial insurance protects businesses. It covers businesses against losses, arising from things like damage to property or injury to employees, and it also covers like public liability and employers’ liability.

How much does it cost?

Your monthly costs will depend on a number of things which can include:

• Age

• If you smoke

• Your current health status 

• Type of job – some jobs come with higher risk factors

 

What are my next steps?

Now that you have read through all the above information it is important that you contact one of our team to discuss your policy options. Our team are on hand to help guide you through each of the stages and provide you with the best possible policy.

Get in touch!

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

If we arrange a mortgage on a property from one of our associated new homes developers we will waive our fee, otherwise there may be a fee for mortgage advice.