Life assurance

Unfortunately, death is one of life’s certainties and not only would it have a devastating impact on your family but could also bring unwanted financial burden. Our advisers can help find the perfect life cover for your own situation, whether that is to cover your mortgage debt or for family financial protection in such an event.

Critical illness cover

Sadly 1 in 4 of us will be diagnosed with a critical illness before retirement age so this is something, we really need to protect ourselves financial from. Although with today’s medical intervention it is more likely that you will survive a critical illness, whilst you are ill this would have a huge financial impact on your family, as you would not be able to work and maybe your partner would need to stop to help you in this time to. Critical illness cover is a lump sum payment that will take away these financial worries which would allow you to take the time to get fit and healthy again.

Family income benefit

This is a type of life insurance that can cover both death and critical illness diagnosis. and the main aim is to provide an annual sum in one of the events. This will then mean financially your family will not suffer whist you adjust to the ill heath or death of a loved one. These are designed to pay out until your children are no longer dependents.

Income protection

Each year one million people in the UK find themselves unable to work due to a serious illness or injury (ABI 2017). Unfortunately, not everyone will receive full sick pay from their employer or are self-employed and so would have to rely on government support.

Income protection can help.  In the event of successful claim, this insurance will pay a proportion of your salary, typically around 60% of your earned income. This can give you the peace of mind that your regular payments such as mortgage, utilities and food are covered, whist you focus on recovering.

Private medical insurance

Are you worried about NHS waiting times?  Then maybe health insurance is a solution for you. Often called private medical insurance, this is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You will pay a monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.