“Will my family be okay if I become unwell, or if I’m not here anymore?”
This is understandably a big worry for many people. With the right financial protections in place, however, you can rest easier knowing your family and dependents will be supported should the worst ever happen.
As independent Life Insurance advisers, your peace of mind is our priority.
Whether you need to:
- Pay off your mortgage or any outstanding debts.
- Ensure your children’s education is covered right up to university.
- Provide your children with a source of income to replace your loss of earnings.
- Supplement your own or another family member’s health or care fees.
… or something else, we’re here to help. With access to the whole of market, we can find the right cover to fit your needs exactly.
We can help you look further into:
Life Insurance
Life Insurance is paid out in a lump sum when you receive a diagnosis of an illness, or if you pass away. This money can then be used to pay for medical bills or other financial commitments you or your family may have.
With the right cover in place, your family could use the lump sum to manage everyday costs, pay off debts such as a mortgage, and help fund future plans, including holidays or university fees.
As every family is different, we take the time to understand what matters most to you and help you find suitable, cost-effective cover that meets your needs.
Family Income Benefit
This pays your loved ones a regular income rather than a lump sum, helping them manage everyday costs, such as household bills and mortgage payments, and maintain their standard of living.
You choose how much income your dependants could receive and how long the policy will run.
For example, if you choose £1,000 a month for a 20-year term and pass away in the first month, your family could receive £1,000 a month for the remainder of the term. If you pass away in year 18, payments could continue for the remaining two years. There is no payout if you pass away after the policy has ended.
Critical Illness
Critical Illness insurance pays out a tax-free lump sum should you become too unwell to work. You can then use this to help cover health-related costs, monthly expenses or lost income while you focus on looking after your health and your family maintains their current lifestyle.
There are different types of policy such as level term, and decreasing and increasing cover. Policies generally only cover a list of specific illnesses, so it’s worth chatting to us to find out which plan is right for you.
Protect what matters sooner
Putting suitable financial protection in place sooner rather than later can help provide greater reassurance and support for you and your loved ones if the unexpected happens – and arranging a free consultation with us is a great place to start.
There’s no obligation to use our services afterwards, but it’ll give you the opportunity to find out more about how we can support you and see if we’re a good fit.
Important information:
We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit.
Life insurance, critical illness cover, and family income benefit policies are designed to provide financial support to you or your family in the event of death or serious illness. These products are not suitable for everyone and will depend on your individual needs and circumstances.
All policies are subject to terms, conditions, and exclusions. For critical illness cover, only the specific conditions listed in the policy wording are covered, and definitions can be strict. Not all claims will be paid. For life insurance and family income benefit, cover will only pay out if the policy terms are met. Premiums must be maintained to keep cover in place. If premiums are not paid, cover will cease and no benefit will be payable. Depending on the type of policy selected, premiums may increase over time.
The level of cover selected may not be sufficient to meet all your financial needs, and benefits may be affected by factors such as inflation. Tax treatment depends on individual circumstances and may change in the future.