Ensuring financial stability

It’s not a nice thing to think about, but you might not always be healthy or around, this can trigger financial shocks for your loved ones at an emotion time. Insuring these risks can mean you provide financial stability for your family at a crucial time, allowing them to continue to live a comfortable and fulfilling life.

  • Life Insurance

    Provides a lump sum to your chosen beneficiaries in the event of your death. This can be used to repay any mortgages or debts, provide a lump sum of capital for children’s education or perhaps assist with settling an Inheritance Tax liability.

  • Income Protection Insurance

    Replaces an element of your income, tax-free, in the event that you are unable to work due to illness or disability. This can allow you to continue to pay your monthly bills, make savings for the future and enjoy life while you recover.

  • Critical Illness Insurance

    Provides a lump sum if you are diagnosed with a Critical Illness, for example Cancer, a heart attack or stroke. This money could be used to pay down your mortgage, make adjustments to your living space to make it more suitable or pay for specialist medical care.

  • Private Medical Insurance

    Covers the cost of accessing private treatment if you have been diagnosed with a condition that requires treatment. This can help provide more specialist treatment, as well as much lower waiting times that the NHS.

  • Family Income Benefit

    Provides a income, payable for a set period of time, following you death. This can be used to ensure expenses are covered, or pay for extra childcare or for the survivor members to take time off work.

  • Shareholder Protection / Keyperson

    Enables a business to insure an individual, to either have the proceeds to buy their shares off their loved ones, or to mitigate the commercial impact of a key employee passing away.

The earlier you insure yourself the lower the cost

The younger and healthier you are, the lower your premiums are likely to be. As you get older, you’ll be seen as a higher risk to insurers. Acting sooner rather than later means you’ll be able to lock into a lower premium for the duration of the cover.