In the same way that you’ll insure your car, pet and mobile, make sure you apply these same principles to both you and your family. A change in circumstances could leave you and/or your family unable to meet mortgage payments.

For many of us, illness, disability, and job losses are things that happen to other people. The reality of course is that many people find themselves in precisely these and similar situations. At any stage of your life, or that of your family, accidents can happen, illness can strike.

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Life Insurance

What would happen if you die?

If you have a partner and/or dependants, what impact would it have if you passed away?  A life insurance policy will pay out a set sum - for instance your outstanding mortgage amount - to ensure that your loved ones can continue to stay in your family home.

You may also consider providing a monthly income for a set time to replace part or all of your income so they can still do the things you'd want for them, such as paying monthly bills, holidays, university, etc.

Critical | Serious Illness Cover 

Or if you suffer a life threatening illness? 

No-one likes to think about becoming ill, but if it happened the last thing you'd want to worry about is finances.  This cover pays out on diagnosis of a specified illness such as cancer, heart attack, multiple sclerosis, as examples.

Critical/serious illness cover can pay a lump sum to clear some or all of your mortgage, or give you a lump sum to spend on what you see as important - private medical expenses, adaptations to your home, personal care, etc.

It allows you to concentrate on getting better - not worry about money.

Income Protection

If you became ill and unable to work, what would happen?

You don't have to be seriously or critically ill to be unable to work.  Back pain, mental health issues and other illnesses can still make life financially hard.  Without an income, how would you pay your bills, mortgage, etc - could you survive on state benefits alone?  An income protection policy is designed to protect some or all of your income if you are unable to work due to disability or ill health.  It can be arranged to protect you for as long as you need, either until you return to work or right up to retirement if required.  It pays out after an initial specified time, known as  the deferred period.  Typically this is set to begin when any employer sick pay runs out.  

Accident, Sickness & Unemployment Cover

What if you're made redundant?

Accident, Sickness & Unemployment cover is available to help cover your monthly expenses such as mortgage payments, loan payments and insurance policy payments should you be unable to work after suffering an injury, sickness or redundancy. Many policies of this type will pay out a monthly benefit after an initial waiting period and will pay out for up to 12/24 months or return to work, whichever happens first. You can also arrange just Accident & Sickness only or Unemployment only dependent on your identified needs.

Business Protection

Protecting your business against the loss of a key person and/or providing life insurance to your directors/employees 

In most companies, there are people who are vital to that business's continued success  - maybe the owner or an employee such as the managing director or a top sales person.  What happens to the business if they die or become ill?  You can ensure you have protection in place in case this happens.

Depending on the size of your business, you may not offer a pension scheme where death-in-service forms part of the benefits offered.  We can help you put together an offering to help provide life cover for your directors and employees, ensuring your key people benefit.