Protection

LIFE COVER
If your partner dies can you still look after your children and work and afford to pay the mortgage?

Not many can answer yes to this question.
It is strongly advised that life assurance is taken out with any borrowing small or large.
You should always seek advice when buying life insurance.
We can offer guaranteed and reviewable premiums, with and with out waiver.
We will discuss your needs with you and recommend the most suitable solution, taking into account your individual circumstances and your budget.
There are often a number of different options available to you and we offer expert advice on what is best for you.

CRITICAL ILLNESS COVER
Critical Illness is one of the most important covers for your mortgage. It will completely repay your mortgage for you on diagnosis of a critical condition, with out Critical Illness cover you could lose your property when diagnosed with a severe illness and you are unable to work.
You should always seek advice when buying life insurance.
We will discuss your needs with you and recommend the most suitable solution, taking into account your individual circumstances and your budget.
There are often a number of different options available to you and we offer expert advice on what is best for you.

INCOME PROTECTION
Consider the financial impact on you and your family if you were unable to work due to long-term ill health. Would you still be able to pay your mortgage, monthly bills and maintain a reasonable lifestyle for yourself and/or your family?
Income Protection provides a tax-free income to replace part or most of your salary until you are able to return to work or your retirement age.
You should always seek professional advice when considering Income Protection as State benefits and employer’s sick pay schemes can affect the payout. Our advisers will guide you to ensure that you have maximum cover that is the most appropriate for your circumstances.

MORTGAGE PAYMENT PROTECTION
Mortgage Payment Protection Insurance will ensure that you can continue to make your mortgage repayment and other outgoings such as loan repayments, credit cards and utility bills if you are unable to work due to accident, illness or loss of employment.
The period over which this type of policy will pay out a benefit amount is limited to 12 or 24 months. If you want protection over a longer period then you should consider Income Protection.
Talk to our advisers who will help you find the right policy for you.

HOME INSURANCE
You’ve worked hard for your home so protect your investment.
Accidents can happen but if you have home insurance it can help you replace any material losses.
We can offer value for money, comprehensive home insurance that is tailored to your needs and lifestyle.
Talk to our advisers to see if we can save you money. And organise cover straight away. We also offer Three Months Free!

PRIVATE MEDICAL INSURANCE
We never know what is around the corner but having Private Medical Insurance can bring peace of mind knowing that if you or your family needs medical treatment you don’t have to worry about long NHS waiting lists.
Our health and that of our family is our biggest concern. We can offer affordable Private Medical Insurance that covers you and your family and can be tailored to meet your own requirements.
Talk to us and you’ll find private healthcare is not as expensive as you might think.

FAMILY INCOME BENEFIT
An alternative to providing a lump sum payout, Family Income Benefit allows you to protect your family in the event of your death by providing a regular tax-free monthly income.
You can also opt to protect you and your family should you suffer a critical illness.
Rather than worrying about managing a lump sum payout – how to invest to get the most from it, this plan will ensure you receive a monthly income to help you carry on meeting your lifestyle costs.
Talk to our advisers to see how this policy could work for you.