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Protection Services
WE ARE HERE TO HELP YOU
There are events we can all face that have the potential to wreck lives and families. It's a difficult issue to think about but imagine the impact on you and your family should the main earner pass away or become seriously ill. It may not happen to you - we hope it doesn't - but you have to be prepared.
HOW CAN WE HELP?
Protection plans can ensure that your family are taken care of in the event of your death, critical illness or injury.
MORTGAGE LIFE ASSURANCE
Designed to pay pay off the remaining mortgage debt in the unfortunate event of the main earner passing away.
LEVEL TERM ASSURANCE
With this particular policy you are eligible for a pay out within a set 'term' e.g.: 18 years. Level term assurance is therefore designed to pay a known lump sum upon death within a fixed time e.g.: £150,000 if you die within the next 18 years.
WHOLE OF LIFE ASSURANCE
This policy pays out in the event of death, whenever it occurs. Cover is provided for your whole life. The premium you pay can either be purely for cover in which case it is guaranteed, or it could also include an investment element which provides a cash-in value should the cover no longer be needed in future.
CRITICAL ILLNESS
Critical Illness insurance is designed to help with the extra costs incurred as a result of contracting a particular condition. It is important to note that the policy only pays out if you contract one of a defined list of illnesses specified in your policy.
INCOME PROTECTION
Income Protection Insurance is designed to pay you a regular monthly income if you are incapacitated and unable to work due to illness or injury. The amount of cover is based on a percentage of your gross earnings and is suitable for both employed and self-employed people.
HOW CAN WE HELP YOU?
Save money by ensuring you don’t pay too much to protect your assets.
Place your insurance in the right name, ownership and trust, so that your beneficiaries do not pay too much tax when they inherit your estate.
Help you get the right cover for your needs that are within your budget.
Help to ensure that your loved ones can cope financially should you die unexpectedly.
Make sure you have financial help should you develop a life-changing medical condition.
Arranging a regular income to support you should you be unable to work due to illness or injury.
Ensuring your mortgage continues to be paid if you are unable to work due to illness or redundancy.