Protection
Protecting Your Future
We all want to protect the things that are most valuable to us. People routinely insure their cars, houses and personal possessions, yet often avoid looking at protecting the most valuable thing of all – themselves.
We can offer Financial Protection Advice and planning, to help you avoid losing everything you hold dearest to you, should your circumstances change unexpectedly.
Life Insurance
is designed to provide benefits for those left behind when somebody dies. There are many different ways to do this and although it may seem straight forward, getting the right product structured in just the right way can be far from simple.
Mortgage Term Assurance
MTA is designed to help protect a mortgage. It pays out the sum assured if the life assured dies during the term of the policy.
The sum assured can remain the same throughout the term if the intention is for an interest only mortgage to be repaid, or cover can reduce where a decreasing mortgage debt, e.g. repayment mortgage is to be covered.
Level Term Assurance (LTA)
This type of policy is designed to help financially protect you and their family, that pays out the sum assured on death or diagnosis of a terminal illness of the life assured during the term of the policy. The sum assured remains the same throughout the policy term.
Family Income Benefit (FIB)
This type of policy is designed to pay out a regular benefit, over a set period of time, in the event of death. The term chosen may be related to when you believe dependency will end. For example, you may have a plan set up to pay out £100,000 for 20 years. If you die 15 years after uptaking the policy, your dependents get £100,000 for 5 years i.e. £500,000.
Income protection, sometimes known as Permanent Health Insurance (PHI)
pays a percentage of your salary if you are unable to work through sickness or accident.
Critical Illness Insurance
If you’re the breadwinner in your family, there is a way you can protect your family’s financial security, if you or your spouse become seriously ill – Critical Illness Insurance.
Private Medical Insurance
Private medical insurance works in the same way as any other insurance – it’s based on managing the risk of unforeseen events. Premiums are paid, either in instalments or in one lump sum, so that if you fall ill you’ll be able to receive any eligible medical treatment privately – avoiding any potential NHS waiting lists.
Building and Contents Insurance
Home insurance is a form of cover designed to protect your home and its contents in the event of fire, flood, burglary or even accidental damage.
No matter how low their premium, nobody wants to find out they are not covered when it comes to making a claim. Unlike most comparison sites, we make it easy to compare the differences in policy cover, as well as the premium.