Protection

We can discuss the following types of protection plans:

Income Protection – For when you cannot work, and you want to keep receiving your income to help you and your family continue as normal.

Level/Decreasing Term Assurance – This can cover your mortgages payments, or other requirements, so that should you die your family have one less bill to worry about.

Critical Illness – Should you receive a diagnosis of a specified ‘critical illness’ the policy will pay out a lump sum. This is only payable once and depending on providers, the types of illness covered vary – we can advise on the exact terms.

Whole of life protection – where the payment of premiums guarantees that an agreed sum will be paid out on death whenever that occurs.

We also offer a range of business protection plans such as Keyperson/Shareholder/Partnership protection.

Note that life insurance and financial protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Life insurance products vary, and suitability depends on individual circumstances. Always seek advice from a qualified professional before making any decisions.