This can cover basic needs such as ensuring that liabilities including mortgages and loans are repaid upon death, or in the event of serious or critical illness; also protecting income in the event of long term illness or injury. Finally, making sure that families are provided with adequate protection, should a main earner die or be disabled.
What sort of protection do you need?
A Level Term Protection Plan may be right for you: If you’re looking for financial protection for your family or business if, you die, suffer a terminal illness or are diagnosed with a specified critical illness.
A Decreasing Term Plan may be right for you: If you have a repayment mortgage or loan and you want to make sure the debt will be repaid if, you die, suffer a terminal illness or are diagnosed with a specified critical illness.
A Whole of Life Plan may be right for you: If you want to provide a cash sum for your family or business whenever you die or are diagnosed with a terminal illness.
An Income Protection Plan may be right for you: If you need an income when you can’t work, because of illness or injury, whether you’re employed or self-employed.
Business Protection may be right for you: If you have a business where the loss of a key person because of illness or injury will affect your ability to generate income and profit.
A Critical Illness plan may be right for you: If you want to receive a lump sum on the diagnosis of a serious illness that will allow you to pay off debts, go on a family holiday or pay for alterations in your home.
We can ensure that you have the most appropriate cover for your needs, following a full discussion of your requirements. We can then review the whole market place to find the company with the best plan at a cost that you can afford.