Life Insurance provides protection in the form of a lump sum payable on death of the insured. We will tailor your protection needs based on your mortgage and any other requirements you may have.
This is the cheapest form of personal protection and you should have sufficient cover as a minimum to repay the mortgage balance in full.
You may well be surprised how cheap cover can be and quite often is cheaper than the cost of insurance for your mobile.
Accident, Sickness and Unemployment
This pays out if you are unable to work due to redundancy, sickness or injury. It last usually for 12 -24 months per claim or until you go back to work whichever is the sooner.
Critical Illness Cover
Critical Illness Cover is designed to pay out a specific lump sum on the diagnosis of a range of circumstances including heart attack, cancer and stroke. Not all illnesses are covered but we will provide a list of conditions.
With more people surviving a critical illness with advances in medicine a lump sum tax free payment may just help through those tough times and let you focus on getting better rather than worrying about paying the bills.
Income protection insurance provides a specific amount to replace your income in the event you cannot work due to illness or injury. This can last until your designated retirement age. The level of cover depends on your personal requirements and we can tailor a plan for you.
Buildings and Contents Cover
Your lender will require you to insure the building that you own in case certain events happen from property loss, theft, fire and flooding. Building and content cover home insurance will cover you and ensure they are replaced or repaired.
Designed for landlords to cover the buildings, contents and loss of rent. As part of the professional service we offer we will always discuss these with you to ensure not only you but your home and contents are protected.