Protect what matters most: your family
and your income

Life Assurance

Life Assurance: provides financial security for those who depend on you should you die by providing a single lump sum payment and/or a regular income; as follows: 

Term Insurance: This is the simplest type of Life Assurance insurance. You choose how long you are covered for, e.g. 20 years, and the policy pays out if you die within the agreed term. You can also take out term cover as a couple, with the policy paying out on the first death only during the term. There are several different types of policy available, depending on your needs; including decreasing term assurance to redeem a repayment mortgage or level term assurance to redeem an interest only mortgage.  

Family Income Benefit: This is essentially the same as Life Assurance, but instead of paying a lump sum when you die, it will pay out a regular income instead. This type of payment may be more suitable where the main purpose of the policy is to provide ongoing financial support to dependents.

Whole of Life: pays a lump sum when you die, whenever that is, as long as you are still paying the premiums. The difference is that there is no term except death! The lump sum can be collaborated to pay Inheritance Tax or simply be a benefit for family and dependents.

Contact us to find out if Life Assurance could be right for you. 

Critical Illness Cover

Critical Illness Cover is a type of insurance policy intended to support individuals and their children in the event of long-term illnesses. 

This cover helps you protect yourself before a serious illness strikes and minimize the financial impact illness could have on your family.

Proceeds are paid out in a tax fee lump sum on the diagnosis of a range of (30+) life-threatening or debilitating conditions.  Many are familiar like cancer, stroke, parkinson’s disease. The areas of cover are brain & nervous system, senses, organs, auto-immune disorders, mental health, heart & circulatory system, cancer and children’s cover. Policies include cover for heart attacks, strokes, cancer, and major organ transplants. Terminal illness is also included or an option when life expectancy is less than twelve months.

Critical Illness Cover is available as an “add-on” to Life Assurance, as a joint or stand alone policy. As with all protection products, Critical Illness Cover has a range of “add-ons” and options. There are several Critical Illness Policies with options that enhance your financial sustainability should you be diagnosed with a critical illness.

critical illness cover

Contact us to find out if CIC could be
right for you. 

Income Protection Insurance

Income Protection insurance provides financial support in the event that you are not able to work (e.g. due to an illness or an accident). Income Protection policies do not currently cover redundancy and unemployment. 

Income Protection insurance has a number of features like a term and deferral period. If your employer provided sick pay for three months, the deferral period would be three months. Even if you claim on the policy, the term continues, which means if you are ill again you can claim again. Obviously subject to T&Cs but in principle Income Protection is not a one claim policy if the conditions for a claim arise more than once or several times.

Contact us to find out if Income Protection Insurance could be
right for you. 

Private Medical Insurance

Health is more important than wealth, not only your own health but the health of your partner, children, parents; all those who depend on you. Private Medical Plans are affordable and generally offer core over with additional options. The number of options and choices is very wide including medical treatment as an outpatient, various diagnostic procedures such as screening for breast, cervical and bowel cancer; and other procedures where the NHS faces unprecedented delays due to Covid. You will only know the full benefit of Private Medical Insurance if you have a friend or relative who has made a claim. The support that these plans offer when the health fails is truly awesome. 

core cover

  • Integrated Primary Care
  • Out-patient surgical procedures
  • Mental Health support
  • In-patient and day-patient treatment
  • Advanced Cancer Cover
  • Additional benefits

Options

• Out-patient Cover
• Mental Health Cover
• Therapies Cover
• Dental Cover
• Worldwide Travel Cover
• Numerous other options available

Contact us to find out if Private Medical Insurance could be right for you. 

core cover

  • Integrated Primary Care
  • Out-patient surgical procedures
  • Mental Health support
  • In-patient and day-patient treatment
  • Advanced Cancer Cover
  • Additional benefits

options

  • Out-patient Cover
  • Mental Health
  • Therapies Cover
  • Dental Cover
  • Worldwide Travel Cover
  • Advanced Cancer Cover
  • Numerous other options available


Protect what matters most: your family
and your income

Accident & Sickness Insurance


Protect what matters most: your family
and your income

Accident & Sickness Insurance

Accident & sickness insurance (i.e. Personal accident & injury cover) is an insurance policy that provides compensation in the event that you suffer an accident that results in serious injury or death.

The payment amount is determined by the type of injury sustained. The policy covers a range of injuries and sicknesses. Accident & sickness insurance can be beneficial for a range of people. 

Accident & sickness insurance is often used to mitigate the loss of income and relieve financial stress on family members in the event that you suffer from an unexpected accident. Obviously aimed at hazardous employments, falling of roofs and missing a step on a ladder are frequent events, accidents in factories, on farms. The list is endless so if you work in any of these areas, perhaps you should consider Accident & Sickness Insurance. If you can’t survive for six months while your shattered skeleton repairs itself, the lump sum from an Accident and Sickness policy would come in handy.

Contact us to find out if Accident & Sickness Insurance could be
right for you. 

Business Protection

Business protection defines a range of strategies used to alleviate the effect of a major event on a business. A major event may include the loss of a key person within the business or death of a shareholder.  

Not planning for such an event could result in significant risk to the business, reduced profitability, increased workload could be the consequences the business faces after a disruptive event. Planning for these instances equips the business with extra support should these circumstances arise in the future.  

Business Protection policies can be categorized as Continuity Planning or Succession planning.

Continuity planning defines policies that aim to assist the business towards continued survival. This focusses on Key Person Assurance and business loan protection.

Succession planning focuses on identifying individuals and groups that can assume control in the event of changes to the business. This focusses on shareholders and business partners.

business protection

Contact us to find out if Business Protection Insurance could be right for you. 

continuity planning


Protect what matters most: your family
and your income

Key Person Assurance

A business is only as good as its employees. Key Person Assurance is a life assurance policy taken out by the company on behalf of a key employee.  Many businesses have key employees whose knowledge, experience, skills or leadership largely contribute to the continued financial success of a business.  

The absence of key employees due to death or illness will negatively impact the business and may result in increased workload, recruitment costs, wasted time and reduced sales.  

The policy safeguards a business from the financial impact caused by the death or serious illness of a key employee.  In such circumstances, the business can use the policy money to protect profit and cover the costs of recruitment of a new staff member.

Contact us to find out if Key Person Insurance could be
right for you. 

Business Loan Protection

Business Loan Protection ensures that existing company debts are paid the event that a guarantor becomes seriously ill or dies.

Business loan protection policies are used to consolidated existing business debt; the level of protection required within the policy can be set to the amount of the outstanding business loan.

Business loan protection minimizes financial strain on the business and shields employees and shareholders from paying off the loans owed.

Contact us to find out if Business Loan Insurance could be
right for you. 

Shareholder & Partnership Protection

Shareholder and partnership protection are life assurance policies taken out by shareholders and partnerships.

These protection policies provide the funds for shareholders or business partners to purchase the shares or partnership interest owned by a shareholder or partner who dies or suffers serious incapacitating illness.

These policies help business owners retain control of company or partnership and mitigate the impact a change in leadership would have on the company. 

Business shareholders should have a legal agreement outlining the rights and obligations of the remaining shareholders to purchase the shares of the deceased in place before considering this type of insurance. 

Contact us to find out if Shareholder and Partnership Protection Insurance
could be right for you. 

Video to explain how Protection will

benefit your family

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