Life and Protection Insurance
Your peace of mind and protection
Protecting Your Assets
The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in mind, it makes sense to periodically review your cover with the help of a professional adviser. This section provides helpful information on the different types of protection product available.
The Financial Conduct Authority does not regulate Trusts.
What is Life Insurance (Level Term Assurance)?
A life insurance plan can be used to safeguard your family from the financial uncertainty and hardship that comes with serious illness or death. There are a number of options to choose from, depending on your circumstances.
What is Critical Illness Cover?
Upon diagnosis of one of the covered critical illnesses you will be paid a lump sum to keep your finances on track whilst you concentrate on the recovery! Critical illness cover can be arranged to suit mortgage contracts or a term to suit your needs added to any
What is Income Protection Insurance?
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.
Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income.
Payment Protection Insurance / Short Term Income Protection Insurance
Payment Protection Insurance and Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident, illness/injury or, often as an optional extra, unemployment.
Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income.
What Is Whole of Life Insurance?
Whole of Life Insurance is designed to pay out in the event of death, whenever it occurs. The premium you pay also includes an investment element which helps to pay for the cost of cover over time. The cost of cover can be more expensive than term assurance, but there is usually a claim value too.
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