“It’ll never happen to me” – we’ve all had thoughts like this when it comes to protection. We never see the worst coming, that’s why it’s important to invest in protection policies for you and your family.
Our advisers are trained to deliver independent and trustworthy advice on the vital protection you need. They are experts in life assurance to critical illness protection, so you can rest easy knowing your family are financially secure. We’ll also support you in choosing income protection and mortgage payment protection products.
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Life Insurance Advice
Life insurance gives your loved ones the security they need should something happen to you. These policies cover a fixed term, so a pay-out is reliant on when you pass away. There are so many factors that affect life insurance, including age, weight and health conditions. To make sure you’re getting the best policy for your money, arrange a consultation with our advisers.
Whole of Life Cover Advice
Whole of Life cover, also known as life assurance, covers you for your entire life. Unlike life insurance, it is not on a fixed term. Knowing the difference between life assurance and insurance is very important when it comes to deciding which product suits you. We’re the experts, so let us help you determine which life assurance product suits your circumstances and budget.
Critical Illness Cover Advice
It can be hard to comprehend a situation in which critical illness protection comes into effect. Unfortunately, we never know what life might throw at us. Critical illness protection is a long term policy that covers you for a number of critical illnesses. However, not all critical illness protection policies are created equal. We’ll work with you to determine the best cover for you.
Income Protection Advice
An income protection policy protects you if you are unable to work due to an illness or injury. Although it sounds simple, there are a few things to consider before choosing an income protection policy. There may be a waiting period before you can claim, or it may only cover certain conditions. We’ll trawl the fine print so you know exactly what you’re getting before you sign on the dotted line.
Mortgage Payment Protection Advice
For many of us, a mortgage is our biggest monthly financial commitment. With mortgage payment protection, there’s no need to lose sleep over concerns that you’ll be unable to pay your mortgage due to illness, unemployment or another change in circumstances. Although you may not expect the worst, it’s important to protect yourself and your family. We’ll help ease your doubts and provide independent advice, so you can make the right choice for you.
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THESE PLANS 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.
PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT, IF YOU GO AHEAD WITH THE PLAN.