Life doesn’t always go according to plan. We will help you understand the financial implications of premature death or ill health and can provide options to protect you and your family.
Life insurance
We are not immortal – but we hope to live well into retirement. What happens if we don’t? How will our dependents support themselves? This cover pays out a lump sum, or regular benefit, in the event of your death.
Critical Illness
This provides a lump sum in the event of you being diagnosed with a serious illness. This can take a big weight off your mind just when you need it to, making sure that you can focus on the right priorities, such as your health and well-being.
Income Protection
Your family is reliant on your income. If you were unable to work for a long period of time due to ill health, how would they cope? Income Protection provides a regular replacement income in these circumstances.
Mortgage protection
Your house is probably the biggest investment you will make, and, likewise, the associated mortgage is probably the biggest financial commitment you will ever take on. You want to make sure that if something happens and you can no longer keep up with the payments, your family home is protected. This cover can provide you with a lump sum to pay off your mortgage in the event of death or critical illness.
Whole of Life
You’ve worked hard to build your wealth but how will inheritance tax affect the amount that you can pass on to the next generation? This cover, used in conjunction with other inheritance tax planning strategies, provides a lump sum to help pay the inheritance tax liability on your estate.
Cover will cease on insurance products if premium payments are not maintained.