Do I need insurance?
People need protection policies for a wide variety of reasons and there are several types of plans to cope with these situations. In the main, people require life cover or life insurance for their mortgage so that their family and dependants will not be left with a large debt to repay and the possibility of losing the home they enjoy so much.
What Insurance do I need?
We are not life insurance salesmen. There is no compulsion from any lender requiring you to have life cover. What we will do is help you evaluate whether you need life assurance or not, covering some eventualities which you may not have thought of.
Families with dependant children will also take out life insurance cover for a lump sum or income to provide for their children in the event of death. This life assurance provides financial support for the surviving parent or guardian so that costs such as child care, school trips, car expenses and further education can be afforded.
The cost of this life cover does not have to be large with appropriate advice and guidance from a financial adviser.
Please see below the different types of insurance that we can arrange for you
Level Term
Family Income Benefit
Mortgage Protection
Premiums and life cover remain level throughout the policy. Can be in single or joint names. This type of cover offers security that your beneficiaries can receive a specific sum, which can help you all plan for a time when you're no longer around.
Mortgage Protection
Family Income Benefit
Mortgage Protection
This is a form of decreasing term assurance. The premium remains constant but the life cover gradually reduces each year. Normally used to protect a capital and interest (repayment) mortgage. Can be in single or joint names.
Family Income Benefit
Family Income Benefit
Critical Illness Cover
These are used to pay a monthly or yearly income in the event of death. Commonly used to provide a widow/er with income to ensure dependent children can be adequately provided for. Can be in single or joint names.
Critical Illness Cover
Critical Illness Cover
Critical Illness Cover
People are becoming increasingly more aware of the value of having critical illness cover in place. Unlike life cover, this benefit pays out once you have been diagnosed with one of the specified illness as listed in the policy.
Buildings & Contents
Critical Illness Cover
Buildings & Contents
Buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances.
Landlord Insurance
Critical Illness Cover
Buildings & Contents
Insurance covering the from risks associated with rental properties. It usually includes buildings and contents insurance, but can also include landlord-specific covers such as property owners’ liability and loss of rent.
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