The consequences of ever needing to use insurance are often high, which makes finding the right insurance all the more important. We take the time to truly understand your situation we’re always there with the right advice. We’ll always put you first – recommending the best insurance for your needs. The insurances we recommend include:
Valuable financial protection in the event of you passing away. It can be taken out for many reasons but the most common ones are to protect your financial dependants or to protect a financial commitment, such as a mortgage. Life Insurance is designed to provide a benefit, typically a lump sum payment, in the event of your death within a specified term. Monies could be used to pay off outstanding mortgage liabilities, or as family protection.
The financial consequence of a critical illness can be similar to that of death. If you, or those who depend on you, would face financial difficulties if you became critically ill, you may want to consider taking out a critical illness policy. Critical illness cover is designed to pay a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses during the term of the policy. This can take the form of a lump sum payment or as a monthly income benefit.
Under an income protection policy, you pay regular premiums to an insurance company and, in return, they agree that (subject to certain conditions) they will pay you a benefit if you are too ill to work. This benefit is typically paid as a proportion of your salary.
Business protection provides valuable financial protection and takes various forms:
Key Man Insurance:
Designed to protect the business against the loss of a key staff member. It is a business contingency plan and will safeguard the company should a staff member who generates large profits for the business fall critically ill or pass away.
Shareholder & Partnership Protection:
Provides a lump sum in the event of death or critical illness of a business co-owner. Without Shareholder Insurance, an unexpected event could be devastating for a business and its structure if a co-owner or shareholder were to pass away.
Business Loan Protection:
Being unable to repay a business loan can be a serious problem for a business following the death of a key person. Business Loan Protection can help businesses pay an outstanding overdraft, loan or commercial mortgage, should a key person die or be diagnosed with a specified critical illness (if chosen) during the length of the policy.