Having the right level of protection (insurance) is vital, not only for your monthly bank balance but also to ensure that you, your loved ones, your home and treasured possessions are protected if the worst should happen. With insurance, it can often be worth paying slightly more to insure you are protected to the appropriate level for your circumstances.
We can help you find the best policies for:
Life insurance policies pay out a lump sum on death, ensuring that your home or estate is not at risk. Life insurance can be used to pay off all mortgages or loans secured on your home thus making life easier for your surviving spouse/partner or family member during this emotionally stressful time.
Home insurance covers losses occurring to your home, its contents, additional living expenses if you can’t live in your home for a period of time (for example following a fire or floor), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. Mortgage lenders require the rebuild value (the actual cost of rebuilding a property to its current state should it be damaged or destroyed) of a property to be covered as a condition of the loan.
Critical Illness Cover
Could you and your family cope if you were to be diagnosed with a serious illness which prevents you from earning a living? Critical illness pays out a tax-free lump sum in the event that you are diagnosed with a specified illness or medical condition during the term of the policy.
Income protection will provide you with a tax-free income whilst you are unable to work following an accident or illness or unemployment. It will continue to pay you a fixed amount until you return to work or retire.
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. The policy may not cover all definitions of a critical illness. For definitions please refer to the key features and policy documents.