Life Assurance

One of the most overlooked and under-used areas in many peoples finances is that of suitable financial protection – not only to protect yourself, but also family and dependents.

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.