Protection

Life assurance is the foundation of any financial planning. The loss of a partner or family member is distressing enough without the worry of being able to cope financially. We will seek to understand the effect the loss of their income could have on your financial security and ability to maintain lifestyle.

Utilising either Term Assurance or Whole of Life plans we will recommend the most suitable and help you in the application process. Where appropriate we will utilise trusts to ensure that the proceeds of such plans are paid to the chosen people at the right time.

Serious illness can wreak havoc on both an individual and their dependant’s financial security. Illnesses such as heart attack, stroke and cancer can cause an individual to never return to work, work in a reduced role, or perhaps return to work after a period of convalescence.

The complete or partial loss of income can come at a time of maximum stress.

Utilising the many innovative products available to us we will recommend the most suitable to mitigate the risk.

The vast majority of us are reliant on our income to pay the bills and maintain lifestyle. We have bills to pay whether they are essentials such as mortgage, food and utilities or the luxuries such as holidays, eating out and gym memberships. However what would happen should the income stop? How long could bills be paid and lifestyle maintained on savings or benefits?

These are the questions we seek answers to in order to establish if an income replacement policy would help you mitigate the risk. We have a vast array of policies available to us, ensuring that the most suitable is always recommended.

Ensuring that businesses can be protected wherever possible from the financial effects of the death or serious illness of the key people within the business.

This type of insurance provides cover for the structure of the property – the walls, doors, roof, plumbing, wiring, insulation and permanent fixtures and fittings (fitted bathrooms or kitchens). The definition of buildings also extends to include outbuildings, garages, greenhouses, sheds, patios, walls, drives, fences, gates (fences and gates are at times restricted).

Gives you the peace of mind of having cover for all the contents within your property and outbuildings which belong to you or a member of your family whom are living at the property. The policy would also provide cover for items that you do not own such as a rented TV for example.