Protection
LIFE COVER
With so many different protection policies to consider it can be quite a confusing job, as there are a range of options and costs. It’s never nice to think of the time we are no longer around, but it is important to protect the things we care for the most; such as family and assets.
Life cover is designed to make sure that should you pass away during the mortgage term, the amount outstanding can be cleared in one lump sum.
CRITICAL ILLNESS COVER
Have you ever thought about how you would retain your current lifestyle in the event of serious illness. Depending on the situation you may require treatment which can lead to taking time off work. It is hard to know the impact it may have on your life and family.
Critical Illness cover can alleviate the pressure and enhance your Life Insurance policy. Our advisors will explain the details to you in full but in a nutshell; you will receive a cash sum if you are diagnosed with a critical and/or require a medical procedure that is also listed in your policy. Please note that there are some conditions which may not be covered.
INCOME PROTECTION
Sometimes in life, events can dramatically alter your lifestyle, and impact your ability to pay your mortgage and bills. If you’re not sure whether you need income protection, think about how you would cope financially if you were no longer generating income due to an illness or injury; employers are only willing to help for a limited period of time.
Income protection offers peace of mind to know that if you’re unable to return to work for a prolonged period, you’ll still be able to live.
GENERAL INSURANCE
These policies provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance. Our friendly advisers are happy to help and guide you in this market which is wide ranging.