Support when you need it
Life cover, critical illness and income protection insurance are there to catch you
Affordable financial advice to help you plan for the unforeseeable
We never know what’s round the corner and having the correct insurance and ‘cover’ will give you peace of mind should the worst happen.
For many, it makes sense to have insurance in place, so if the worst does happen, you can make a claim and get the money or treatment you need. Leaving you free to focus on getting yourself better and on your feet again.
If you can’t work, you don’t get paid.
We can put plans in place for you so that if you can’t work, you and your family would still be alright until you’re back on your feet. That can include anything from building up a savings buffer, having insurance, or having an emergency plan. We make sure the insurances are for the right amount, paid to the right people, at the right time.
Don’t be put off protection
A lot of people are put off insurance because they assume it’s expensive. Or that the insurance company won’t pay out.
But in reality, the cost of an average life insurance policy is less than 1% of your annual family income. And the industry average of policy pay-outs is 90% and above.
How we can help
We can analyse your current situation, and look for weak spots. In order to fully understand what sort of cover might be needed, we’ll need to first of all work out exactly how much insurance you’d need to cover your outgoings and potential income loss. Because we’re independent, we can find the right kind of plan that suits you best from all the options out there.
So if you’re worried about the impact on you, your partner or children of any of the following, we may recommend an insurance protection policy as part of your plan.
Being unable to work due to accident, injury, sickness or unemployment
Having a serious illness, including critical diagnoses of things like cancer.
Needing medical treatment from a private hospital rather than the NHS.
Passing away.
Types of insurance
Life Cover Insurance - cover your mortgage payments, income and other key liabilities with life insurance.
Critical Illness Cover - receive financial support if you are diagnosed with a critical condition.
Income Protection Insurance - in case of a major loss of income, you can ensure a proportion of your income is maintained.