What's Your Back-Up Plan ...
What financial back-up plan do you have in place when making financial commitments?
Do you understand what protection provision you currently have in place?
We all want to do the best for our families, and keep them properly protected on every occasion. Overlooking the need for life cover could mean that you’d leave your family with money worries at the worst possible time.
Protection is designed to cover you when life’s curve balls hit. How would you or your family cope if you were to die, become terminally ill, diagnosed with a critical illness, or lose income from being off work long term?
We put you first, by protecting you and your family when you need it most, our main focus and priority is you the customer when it comes to your insurance needs.
Protection options available to you include:
- Life Assurance.
This is a form of cover which provides a lump sum in the event of death.
Decreasing Life Assurance – lump sum reduces over the term of the policy. Designed to cover a mortgage reducing at the same rate.
Level term life assurance – lump sum remains constant throughout the term of the policy
Trusts should be discussed and considered – Trusts are not regulated by the Financial Conduct Authority. Whatever your circumstances, we are dedicated to finding the correct solution for you.
- Critical Illness Cover
This can be included in your life policy or as separate cover.
This will pay out a lump sum on diagnosis of a specified critical illness.
- Family Income Benefit
This will pay an income on death of the person insured.
It can also pay on a diagnosis of a specified critical illness if included.
- Income Protection
Will pay a monthly income if you are unable to work due to long term sickness / disability
Note: Your lifestyle is predicated on your income – what happens if you loose your income.
- Accident, sickness and unemployment
Short term cover, 1 – 2 years and will pay a monthly income if you are off work long term sick or made redundant.
