Life Insurance | Income Protection | Critical Illness

We can recommend the most appropriate protection for you.

If you are unable to work, are diagnosed with a terminal illness, or pass away, you and your family could have the financial support to help meet your bills.

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Why insurance is so important?

It’s wise to consider protection options if you have children, dependents, or a joint mortgage with your partner. If others rely on your income, they may face financial difficulties, including losing the house, if your income stops.

Our advisors will help you work out what you might need based on your situation and budget.

Your insurance options

Critical Illness

Critical Illness policy pays out a lump sum in the event you are diagnosed with a serious illness such as cancer or a stroke.
Provides you and your family with financial support. Different providers have different illnesses/conditions that they cover, so it is important to understand what you are covered for.
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Life Insurance

A Life insurance policy pays out a lump sum in the event that you pass away. You can either opt for a “decreasing term” or level term"
Costs start from £4/month for a 30-year-old, non-smoker with a £100,000 decreasing term policy and £6/month for the same policy but level-term
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Income Protection

Income protection insurance pays you a regular income if you can't work because of sickness or disability.
If you are unable to work, the policy would pay out a monthly amount which is generally between 50% to 70% of your income to cover your bills and mortgage.
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There are lots of different providers of insurance and each has its pros and cons. Our advisors will find the best product for you. When purchasing a protection policy, you may have to complete some medical questionnaires. Once these are complete we can ensure you and your family will be covered if the worst should happen.

As with all insurance policies, conditions and exclusions will apply.

Assumptions

In order to create these results, we have had to make a few assumptions:

1) Interest is charged monthly.

2) Interest rate stays the same over the term.

3) If you selected ‘Interest only’, we assume your standard monthly payment doesn’t decrease even if you pay off some of the balance.