Insurance

Life Cover

How will your family repay your mortgage, other debts or even bills in is the event of death?  Having life cover is beneficial for your family should you be diagnosed with a terminal illness or subsequently pass away during the policy term.  The policy is designed to pay out a lump sum in these circumstances and allows your family to repay outstanding debts, like a mortgage or other bank loan, as well as provide for future spending such as university tuition for your kids or even expenses relating to a bereavement such as funeral costs.  We will assess your personal circumstances and advise on the relevant amount of cover required, taking into account your budget. 

Critical Illness Cover

If you suddenly needed extensive medical treatment and couldn’t work due to an illness how would you pay your mortgage and other debts?  In the event that you are diagnosed with critical illness you will receive a cash sum or regular payments.  This can help cover your mortgage, debts, bills and other outgoings such as medical costs.  The majority of us have seen Stand Up to Cancer (to name just one critical illness) where their statistics state that every, one in two people will be diagnosed with a form of cancer at some point in their lives.  Thanks to the advances in medical science it is more likely that we will survive a critical illness than in years gone by and therefore a critical illness policy is far more likely to pay a claim in comparison to a life cover policy.  We can ensure that you have sufficient critical illness cover in place so that you can focus your time and energy on your health  and recovery.

Family Income Benefit

Family income Benefit can be a cost effective way of providing an income for you and your family as it is designed to replace the loss of income for a parent/guardian in the event they suffer a critical illness or subsequently death.  Regardless of your situation your family will still have loss of an income into the household but still have bills to pay.  These bills can sometimes increase due to the loss of a parent such as childcare costs.  The policy will pay out either a monthly or annual income dependent on your choice.  The payments are to provide an income and help to maintain the current living standard for the remaining family.

Income Protection Insurance

Who will pay your mortgage if you can no longer work?  It’s something we don’t like to think about.  Income Protection is a policy which is designed to provide you with an income in the event you are unable to work due to illness or injury.  This type of insurance can be complex as there are many options available.  With our extensive knowledge we can build the right income protection solution for your circumstances whether you’re employed or self employed.  Our aim is to ensure that the correct protection is in place to enable you to focus on your recovery.

Buildings and Contents Insurance

When you take out a mortgage on a property, the lender will insist that the property is also insured.  It is important to ensure that you have the correct type and level of cover in place.  If you don’t have sufficient cover in place and make a claim you will only receive a percentage of the claim. You may require a basic policy or maybe more complex requiring specific cover.  We can assist with the most suitable level of cover upon assessing your circumstances.  The providers we use have a 5 star Defaqto rating which is based on the quality and comprehensiveness of the features and benefits it offers.  Defaqto is independent and rates individual propositions, not the provider of the product, across more than 60 categories.  You have the assurance of knowing the we will arrange the most suitable cover for you be it Buildings and Contents or Landlord insurance.

Review Your Insurance

It is very important to review your protection periodically such as 4/5 years or sooner if there has been a change in family circumstances, to ensure that your insurance is still sufficient for your needs.  It maybe that you’ve had a child, got married or even divorced. Or it maybe that you’ve stopped smoking and are still paying smokers rates and higher premiums than necessary. The cover you need changes as your life does, let us make sure your cover keeps up with your life.

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