Insurance

We worry that our luggage might go missing on holiday or that our car may be stolen, so we take out insurance to protect against the financial impact of these things happening. But few people insure what's really important to them - their lifestyle and their family.

Life Cover

Critical Illness

Income Protection

Buildings & Contents

 

Is it because we don't want to think about death and illness, or it just isn't a priority?

• Could you or your family cope without your income?
• What impact would losing your employment have?
• How would long term illness impact your lifestyle?

Why not speak to one of our qualified advisors about an affordable solution that will make a world of difference to your family if the unthinkable happened?

Life Cover

Life Cover protects your dependents and loved ones against financial hardship in the event of your death.

Life Cover provides a cash lump sum if you die within the term of the plan. There are two types of life insurance:

Mortgage Life Insurance

• Helps pay off a repayment mortgage.
• Your level of cover decreases over the term of the plan alongside the decreasing mortgage debt.

Level Life Cover

• Helps pay off an interest only mortgage.
• Can be used to protect your dependents financial future.
• Your level of cover remains the same over the term of the plan.
• If it is not mortgage related, you choose how long you want the cover to last and the level of cover you need.

Critical Illness

Any of us could suffer from a serious illness at any time.

If you were to suffer from one of a range of serious illnesses, critical illness cover would pay you cash lump sum, giving you time to concentrate on your recovery.

Mortgage Critical Illness Insurance

• Helps pay off a repayment mortgage.
• Your level of cover decreases over the term of the plan alongside the decreasing mortgage debt.

Level Critical Illness Insurance

• Helps pay off an interest only mortgage.
• Your level of cover remains the same over the term of the plan.
• If it is not mortgage related, you choose how long you want the cover to last and the level of cover you need.

Income Protection

Income protection can provide you with a monthly income to help maintain your standard of living if you are unable to work due to most types of illness or accidental injury.

You could receive a tax-free income (under current tax rules) until you are well enough to return to work, or until you retire if you do not recover.

This money can be used to maintain your mortgage payments and help with other essential costs of living. With so many products available let one of our advisors get you a great deal.

Buildings & Contents

Buildings & contents insurance insures against the loss of your biggest asset (your home) and your smaller assets (Jewellery, televisions, stereos etc).

With so many products available let one of our advisors get you a great deal

We usually offer buildings and contents from a selected panel of providers.