The right cover for your personal circumstances

The real value of protection advice

It’s true that we can buy so many things online now, but when it comes to something as important as our finances, it pays to go to an expert.

When you go online looking for protection, you may not get a comprehensive fact find done of your personal circumstances to identify your need areas. You may not get personal appropriate advice or a comprehensive solutions plan. You may not get your policies placed into trust if desired.

We would cover these areas and save you a lot of time, effort and hassle. We don’t charge advice fees for this service, and we ensure that you have the appropriate cover for your personal circumstances.

Its important to get this right first time as it would be impossible to consider alternative options later.Find out more about insurance protection products available through our financial advisers.

Life Cover

Life Insurance provides protection for your loved ones if you die or become terminally ill during your policy term. So, if you want to leave something for your family then life cover is a great place to start. This could pay off the mortgage or any debts you might have. It could be used as an inheritance or to ensure children or grandchildren have access to a financial amount should you die. It would also help to ensure that your loved ones can maintain their living standards after you are gone.

Critical Illness Cover

Everybody wants to think that, even if they got a critical illness, they would be able to cope financially. That is why critical illness cover pays you either a tax-free lump sum or monthly income if you are diagnosed with a critical illness covered by your plan. This can be used to cover costs related to your illness, monthly outgoings like rent, mortgage, utilities, or lost income during your recuperation. This allows you to focus on getting well again and not worrying about how to meet your commitments.

Income Protection Cover

How would you cope if you were in an accident, were too ill to work or had a terminal illness (For example, where death is expected within 12 months. A definite diagnosis by the attending consultant and the illness is expected to lead to death within 12 months.)? You’re going through enough without worrying about paying your bills and keeping a roof over your head. Income protection can give you that peace of mind with a regular monthly income until you are able to return to work. It will make life so much easier for you and your loved ones.

Income Protection is specifically designed to cover loss of a proportion of  income due to accident or illness. Typically this equates to 60% of your earned income

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