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Protection

Having the right protections and insurances in place gives you the peace of mind that you’ll be looked after if things go wrong.

Life Insurance

Life insurance, also known as term insurance or life assurance, provides a sum of money in the event of your death during the term of the policy. 

Having a tax-free lump sum available gives your loved ones and dependents the financial security they need to pay off any outstanding loans or mortgages and carry on living in your home.

Critical Illness Cover

Being diagnosed with a critical illness is a stressful and upsetting time, so the last thing you need is financial uncertainty.

Critical Illness Cover is designed to pay out a lump sum on the diagnosis of certain specified illnesses. The payment can then be used to repay a loan, mortgage, or perhaps pay for time off work. No matter how the money is used, having Critical Illness Cover in place allows you to focus on your health instead of worrying about your family’s finances.

Income Protection

When you think about it, we rely so much on receiving a regular monthly income. So, if you find yourself unable to work due to accident or illness, losing your income can increase your stress and worry. 

An Income Protection plan is designed to pay out a regular income should you become unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

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Family Income Benefit

Most of us don’t like to think about what will happen after we pass away, but being prepared can help your dependents continue to enjoy the standard of living you’ve built for them. 

A Family Income Benefit insurance policy will pay out a regular tax free income to your dependents until the end of its set term. For example if you have a 20 year policy and die within 5 years the policy will pay out the remaining 15 years, giving the people you leave behind financial security.

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Mortgages

Buying a property can be the biggest decision we make in our lives; that’s why it’s vital to receive impartial advice from competent and qualified advisors.

Protection

Family is important. Ask us for expert advice to help protect what matters, when it matters.

Property Insurance

Ensure that your home and its contents is covered with household insurance that fits your needs.

Wills

Updating your will means you can protect your loved ones after you are gone.

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Whatever your plan, we’re here to give you reliable mortgage and protection advice that you can trust.

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