Protection

Protection against unforeseen events including accidents, illness or even death is essential to ensure there will be an income if you cannot work, or that there will be cash reserves to support your dependents and to avoid them having to sell some or all of the hard earned family assets.

Life Assurance

This simply protects income and assets for your family in the event of death. It provides piece of mind as in the event of premature death, it helps to replace income, to settle outstanding debts and provide money benefit when it is needed most.

Income Protection

Work out what you will earn in the next 20 years? How do you protect it? Income Protection guarantees an income in the event of you being unable to work due to long term illness, injury or accident. Without an income your family’s standard of living could suffer.

Mortgage Protection

Mortgage protection is a term assurance policy that is required by your bank or building society to be used as security for your mortgage. It is designed to pay off the outstanding amount of your mortgage should you or your partner die during the term of your loan. This can be arranged either at a reducing or level basis and can incorporate serious illness if required.

Serious Illness

Gives piece of mind as it provides a lump sum payment on the diagnosis of a specified illness covered by the policy. People will insure their lives, so their family will get a payout when they die. But you are much more likely to become seriously ill or disabled while your family are still dependant. This can help with medical bills, mortgage repayments, childcare costs meaning you can concentrate on getting well again and not on the bills.

Business Protection

Having cover when your business is most likely to need it! Partnership Insurance – This ensures that on the death of a partner that sufficient money will be available to buy the shares of the deceased partner. Keyperson Insurance – Life assurance on key members of your staff as their death could have devastating effects on your business, especially if you are heavily dependent on their skills experiences and business contacts. It provides ready available money to employ short term staff to handle the immediate work whilst giving you time to recruit the right person for the job.

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