We offer specialist help and guidance through the maze of protection possibilities and solutions. This includes level term, decreasing term, critical illness, income protection and family protection. Our experts are available to assist you and making sure you get the right protection whatever your situation.
LEVEL PROTECTION COVER
Life cover that pays a cash sum if during the plan’s term you die. The sum assured remains the same through the entire term of the plan.
CRITICAL ILLNESS COVER
Critical illness cover that pays a cash sum if during the plan’s term you are diagnosed with one of the specified critical illnesses.
INCOME PROTECTION PLAN
This type of plan pays out a regular monthly benefit if you need an income when you can’t work, because of illness or injury, whether you’re employed or self-employed.
THE DECREASING TERM PLAN
A decreasing term plan offering life assurance, critical illness cover, or a combination of both. Designed to protect a repayment mortgage or a loan where the debt is decreasing over time.
Whether you need building, contents or a combination of both or if you need accident sickness and unemployment insurance our in depth knowledge will ensure your needs are met.
Buildings insurance covers the structure of the building, plus permanent “fixtures and fittings” such as baths, fitted kitchens etc. The test is – can it reasonably be removed and taken to another home? If it can, then it is part of the “contents” and it will not generally be covered by a buildings policy. Buildings policies usually include outbuildings – garages, garden sheds etc.
With this type of cover it will typically pay out between 12 – 24 months. It is generally taken out to cover mortgage repayments or a loan. The cost of this cover is typically £4.29 per £100 of cover (Correct as at 15/10/2015).