Protection Services

Life insurance is a financial product that enables you to leave money for your family when you die. It will pay out a tax free lump sum should you pass away during the term of the policy contract. This is often put in place to ensure that your loved ones can clear any large debts, such as a mortgage, keeping a roof over their heads and giving them one less thing to worry about at a difficult and sad time.

Critical Illness Cover can offer you and your loved ones financial support if you unexpectedly fall ill. It will pay out a tax free lump sum on diagnosis of a specified critical illness or surgical procedure which include, but are not limited to, cancer, heart attack and stroke. Having such a policy in place will relieve you of financial worries whilst you make a full recovery. Critical Illness Cover has no restrictions on how it can be used. We have known clients make use of this money in many ways including paying off a mortgage, seeking private medical care or simply going on a dream family holiday to create lasting memories. Critical illness policies differ between protection providers and therefore so do the defined lists of critical illnesses covered. This is why it is vitally important to seek a professional recommendation so that we can explain the terms and conditions of the product on offer.

Income protection is a form of insurance that covers your earnings if you’re unable to work as a result of illness or injury. It’s a long-term benefit that typically pays out on a monthly basis until you return to the workplace or reach your retirement age. You are able to choose different levels of cover depending on your needs and budget. You may opt to cover just your committed expenditure or ensure you have plenty so that your family’s quality of life is not compromised. We can link the product to any employer’s sick pay that may be offered to you and in this case, the policy would commence once the employer’s sick pay comes to an end.

With family income benefit, your loved ones are paid a regular income for a set period in the event of you passing away. The term of the policy might be up until you plan to retire, or when you expect your children to be financially independent. Leaving behind a specified monthly payment makes it much easier for your family to keep on top of paying household bills without compromising their quality of life.

Buildings insurance covers the cost of repairing damage to the structure of your property and is a legal requirement in the UK when taking out a mortgage. It must cover the full cost of re-building your home and be in place by the time you exchange contracts. Contents insurance is an optional extra which protects your personal belongings inside your home. Whether you opt for buildings insurance only, or buildings and contents insurance, we would recommend that you renew your policy annually to ensure the most suitable deal for you and your family.

Having a will in place lets you decide what happens to your money, property and personal possessions once you have passed away. Please note that wills are arranged by referral only.