LIFE COVER

Protection needs fall under 3 main categories: -

Specified Illness cover

LIFE COVER : There are different forms of Life cover. The main ones being :
Mortgage protection :
The cheapest form of Life cover, as the amount of cover reduces as your Mortgage reduces.
Term cover :
Where you arrange cover for a fixed term such as 20 years.
Whole of Life :
Is the most expensive form of Life cover, as ultimately the policy will pay out.

The cost of Life cover is much lower now than a few years ago - so it is worthwhile having all existing policies checked to establish whether you can arrange a replacement policy at a lower premium today. We are happy to provide this service to you.

INCOME PROTECTION :

Have you ever wondered what would happen to you and your family in the event of a long term Illness or Accident ? How long will your employer pay you ? If self employed , will you have any Income coming in ?

Income protection provides you with an Income in the event of you being unable to work due to Illness or Accident - normally up to your chosen retirement date. Premiums are deductible for tax purposes (up to 10% of Income).
If you can afford this form of cover it is recommended - most people don't have it.

SPECIFIED ILLNESS COVER :
Provides a lump sum on diagnosis with certain types of Illness such as Heart disease and invasive cancer.
It can assist at a time of hardship and when Income may be disrupted, but increased bills coming in.

Each of the areas above are discussed in more details on the attached pages.

Next step: Most people are under insured : why not consult with us today, let us review what cover you have and give you BEST ADVICE on what is right for you.