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Life and Income Protection

Mortgage Protection
Ensure that you have the right level of insurance in place to pay back your mortgage debts, whether residential or investment. There are so many different policies available that you need to be sure that you have the best policy for your needs. It shouldn't just be about price because cheapest is not always best! Would you under-insure a valuable sports-car? Probably not, so why take such a risk with your family's future!

Family Protection
Once your life insurance has paid off the mortgage debt, how will your family replace your lost income? Aside from insuring yourself to a higher amount to provide a lump sum of cash, there are other ways to provide an annual income. Fill in the enquiry form to find out more.

Whole of Life
Did you know that if your estate is subject to inheritance tax, your loved ones cannot raise funds against the estate to pay the duty - they will have to resort to borrowing money on a very expensive basis and pay 40% to the chancellor on top of that! With careful estate planning, the use of trusts and the use of whole-of-life policies, we can help protect your loved ones from this potentially stressful situation and save money in the process.

Critical Illness
Advances in medical science have meant that more and more people are surviving so called 'critical illnesses', which can mean a huge amount of time taken up by loved ones to care for you whilst you are convalescing. You may even be left in a situation where you can't return to work at all. In this situation, a critical illness policy will provide either a lump sum payment or a regular monthly income.

Income Protection
If you are unable to work for a prolonged period of time due to illness, an income protection policy will carry on providing a monthly income for you until you are able to return to work, or until retirement. It's fair to say that most people think that this type of insurance is prohibitively expensive, but if arranged correctly and in conjunction with other policies, the premiums can be kept down but the level of cover improved.