Let's get you protected.
For you and the ones you love.
Life Cover
Critical Illness Cover
Income Protection Cover
Whole of Life cover
Family Income Benefit
Buildings & Contents insurance
Life Cover
Life Cover insurance is a bit like a safety net for your loved ones. It's a financial plan that can help protect your family if the unexpected happens. Think of it as a way to provide them with a financial cushion, so they can focus on coping with their loss and not worry about money.
It works like this: you pay a small amount each month, and if you pass away, your family will receive a lump sum payment. This money can be used to cover important expenses like a mortgage, rent, bills, and everyday living costs. It can also help with things like funeral costs and childcare.
Life cover insurance can offer peace of mind, knowing that your family is financially protected. It's especially important if you have dependents, like children or a partner, who rely on your income. Even if you don't have a big family, it can still be a valuable way to take care of your loved ones.
Remember, Life Cover is a personal decision. Come and talk to us and we'll help you to find the right type of cover for you and your family's needs.
Critical Illness Cover
Critical Illness Cover can help protect you and your family financially if you're diagnosed with a serious illness.
Here's how it works: You pay a monthly premium, and if you're diagnosed with a covered illness, you'll receive a lump sum payment. This money can be used to cover medical costs, lost income, or other expenses related to your illness. It can also help you and your family maintain your lifestyle during a difficult time.
Critical illness Cover can be a valuable addition to your financial plan, especially if you have dependents or a mortgage. It can provide peace of mind, knowing that you and your family are protected if the worst happens.
Remember, it's important to choose a policy that covers the illnesses that are most relevant to you. You should also consider factors like the amount of coverage you need and the length of the policy term.
Income Protection
Income Protection insurance is designed to provide financial support if you're unable to work due to illness or injury.
Here's how it works: You pay a monthly premium, and if you're unable to work, you'll receive a regular income payment. This can help cover your living expenses, such as rent or mortgage payments, bills, and everyday costs.
Why is it important? Well, if you're the main breadwinner, your family relies on your income. If you're unable to work, it can put a significant strain on your finances. Income Protection insurance can help alleviate this stress by providing a steady income stream.
It's also worth considering that many illnesses or injuries can take longer to recover from than you might expect. Income Protection can bridge the gap between your recovery and your return to work.
Remember, the best time to consider Income Protection insurance is when you're healthy and able to work. By taking proactive steps to protect your income, you're ensuring your family's financial security, no matter what life throws your way.
Whole of Life Benefit
Whole of Life insurance is a type of life insurance policy that provides lifelong coverage. Unlike Life Cover insurance, which covers you for a specific period, Whole of Life insurance - as the naming suggests - is designed to last your entire lifetime.
Here's how it works: You pay regular premiums, and when you pass away, a lump sum payment is made to your beneficiaries. This money can be used to cover various expenses, such as funeral costs, outstanding debts, or to provide financial support for your loved ones.
Why is it important? Whole of Life insurance offers several benefits. It provides peace of mind knowing that your loved ones are financially protected, regardless of when you pass away. It can also be used as a valuable tool for estate planning, helping to cover inheritance tax liabilities or ensuring a legacy for your family.
While Whole of Life insurance can be a valuable financial tool, it's important to consider your individual needs and financial situation. Booking in a chat with us can help you determine if Whole of Life insurance is the right choice for you.
Family Income Benefit
Family Income Benefit (FIB) is a type of life insurance that provides a regular monthly income to your family if you die or are diagnosed with a terminal illness. This can be a lifeline for your loved ones, helping them to maintain their lifestyle and cover essential expenses.
Unlike traditional life insurance, which pays out a lump sum, FIB provides a steady income stream. This can be particularly helpful for families with young children or those with significant financial commitments, such as a mortgage or rent.
By choosing the right level of cover and term length, you can ensure that your family is protected for as long as they need. FIB can offer peace of mind, knowing that your loved ones will be financially secure, even in the face of adversity.
Buildings & Contents Insurance
Buildings & Contents insurance is protection for your home and belongings. It's designed to protect you financially if something unexpected happens, such as a fire, flood, or burglary.
Buildings insurance covers the structure of your home, including the walls, roof, and plumbing. It can help with the cost of repairs or rebuilding if your home is damaged or destroyed.
Contents insurance covers your belongings, such as furniture, electronics, and personal possessions. It can help replace these items if they're lost, stolen, or damaged.
Why is it important? Having Buildings & Contents insurance can provide peace of mind, knowing that you're protected against unforeseen events. It can help you avoid significant financial hardship and stress during a difficult time.
It's important to choose the right level of cover to ensure that you're adequately protected. You should consider factors like the value of your home and belongings, and any specific risks that may apply to your property. You can also add extra cover for more valuable or personal belongings.