In truth, nobody really wants to think about getting sick or leaving their loved ones behind, but life is full of unexpected events and situations. We truly believe that protecting your family is one of the most important financial decisions you can make.
It means your family could get a lump sum if you die or become seriously ill, or you could receive an income if you are unable to work because of an illness or injury. This could help to maintain your regular standard of living and make sure that your children could have all the opportunities you’d always wanted them to have, such as going to university, or buying their first property.
People naturally tend to insure their assets such as their home or car, but often fail to protect their most valuable assets, their income and their lives.
Our private protection services include:
Life insurance is a way to help protect your loved ones financially, if you were to die during the term of a policy. A good policy will also help your family deal with everyday money worries such as household bills and childcare costs. They will also be covered for mortgage repayments.
Many people don’t like to think about this type of insurance, as it means thinking about the inevitable and a lot of the time it sounds more complicated than it really is.
Critical illness cover is a type of insurance that pays out a tax-free lump sum if you’re diagnosed with a specific medical condition or illness listed in your policy.
It’s designed to help support you and your family financially while you deal with your diagnosis – so you can focus on your recovery without worrying how the bills will be paid.
Income Protection, also known as IP insurance, helps support you financially if you have time off work and suffer a loss of earnings because of injury or illness.
People often think about taking out Income Protection Insurance when they’re self-employed and don’t receive sickness pay, or rely on their health to make a living.
In addition to these there are many other insurance and protection solutions out there which may be better suited to your requirements including:
Accident, Sickness and Unemployment Insurance (ASU)
ASU is designed to provide you with financial protection in the event you are unable to continue working because:
- You have lost your job through no fault of your own.
- You become ill and are too sick to work
- You are injured and unable to work.
- You will typically receive a proportion of your income for up to 12 months which can then be used to help cover your monthly outgoings.
This protection provides a lump sum or income benefits if the insured suffers an accident or falls ill.
Mortgage Payment Protection Insurance (MPPI) is designed to cover the cost of your mortgage payments in the event that an accident, sickness or unemployment stops you from working.
Private medical insurance (PMI) is an insurance policy designed to meet some or all of the costs of private medical treatment.
Long term care insurance (LTCI) provides the financial support you need if you have to pay for care assistance for yourself or a loved one.
What We Do For You
We search the whole of marketplace to make sure you get the deal that’s right for YOU.
We have the advantage of being truly independent and make recommendations based on your best interests and objectives.