LIFE & CRITICAL INSURANCE
Life insurance or life cover is a type of policy that is designed to reduce the financial impact your death may have on your family. Most of life insurance policies pay out a lump sum as cash to your family members, if you happen to die while covered under this policy. This will help minimise the everyday financial burden that your loved ones will have to deal with such as bill payments, mortgage payments and childcare expenses. You can decide the amount of policy coverage and its duration. The insurance can be taken under joint names or a single name and the premiums can be paid on a monthly or annual basis.
Critical illness, is designed to provide you with a lump sum in the event of you being diagnosed with a specified illness, such as cancer for example, at a time when receiving a diagnosis like this can be devastating, having the ability to reduce your financial burden by having cover in place can be invaluable. The amount of cover can be tailored to your specific needs and budget.
For more information, arrange a meeting with one of our experienced advisors.
INCOME PROTECTION
People often underestimate the importance of Income Protection, particularly when applying for a mortgage and believing life insurance is the priority. Income forms the foundation of everything we do and is our most important asset. Have you ever considered how would you continue to pay your mortgage and bills, provide for your family and continue to enjoy your lifestyle, if you were unable to work due to long-term sickness or an accident?
We insure our home and the assets within it but we often neglect to insure what actually provides these and other essentials in life, most of us do not have the adequate savings that would be needed to support ourselves and our family if we could not work.
Income Protection, often referred to as Permanent Health Insurance, is a long-term insurance policy designed to protect your income in the event that you are unable to work due to an accident or sickness.
Whether you are a single person, the main household earner or responsible for raising children income protection is essential for you. If you would like to find out more about the importance of income protection and would like to get an idea of the cost call us now.
HOME & CONTENTS
This is an essential insurance that most of us need to consider, whether you are a homeowner looking to protect both home and contents or a tenant needing to insure contents alone. We have access to the market leading insurance brokers and can arrange your insurance for you saving you the time of having to search all those comparison sites. If you are seeking a mortgage the lender will require that the buildings are insured within their terms and conditions.
LANDLORDS INSURANCE
As a landlord, you have enough to manage without worrying about the added worry of damage to your property or contents. Mortgage lenders will require you to insure your building as a minimum however Landlords Insurance can offer you so much more with some policies offering protection against loss of rent and Public Liability insurance. Whether you are looking to set up a portfolio landlords’ insurance or to insure a single dwelling call us now to find out how we can help you.