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Protection

We can assist with:

Critical illness

Budget Income Protection 

Whole of Life

Level life assurance

Long Term Income protection

Guaranteed 50 Plus

Mortgage Protection - decreasing life, critical illness and income protection 

Accident, Sickness and Unemployment

Planning today will protect yourself and your loved ones if the worst should happen. At a time of loss, the last thing a family needs is their daily routine upset because of financial worries. Understandably, no one wants to think about an illness or loss but we have a dedicated team to guide you through your protection needs. We use state of the art quotation systems to source the most comprehensive and competitive products in the market place.

Our team have over 30 years combined experience and are extremely passionate about what they do.

Our key areas include: -

Personal Protection

Level Life Assurance: Provides a fixed sum amount upon death, the sum assured will remain the same throughout the term of the plan.

Critical Illness: Provides extremely valuable cover against a range of life changing illnesses which can also include cover for your children.

Decreasing Life Assurance: (mortgage protection) Can be set up to protect your outstanding mortgage liability against death or critical illness.

Long Term Income Protection: Will protect and replace your income if you are unable to work due to accident or sickness. This plan can pay out until retirement (or the age chosen for the plan to end).

Budget Income Protection: Will only pay for two years for each claim you make. However, this plan is more cost effective, ensuring cover is affordable for all household budgets.

Accident, Sickness and Unemployment: Is an annual policy which in the event of a claim will only pay out for a maximum of twelve months and will be renewed annually.

Try out this fun life quiz at https://runforcoverquiz.com/

Potential state benefits during illness Weeks Weekly Benefit
Statutory Sick Pay 28 £89.35
Assessment Phase ESA * 13 £73.10
Basic Allowance ESA * N/A £73.10
Work related additional ESA * N/A £29.05

* Employment & Support Allowance (ESA). Assessment phase ESAs: £73.10 over 25's, £57.90 under 25's.

Inheritance Tax Planning

  • Whole of Life Assurance will pay out on death, to cover any inheritance tax liability, or provide an inheritance, or simply to pay for funeral costs. You could have a joint plan and opt for this to be paid on first or second death.
  • Guaranteed 50 plus life cover can help to cover funeral costs and no medical questions are necessary. However, there are exclusions and deferred periods to be aware of.

Protect today for tomorrow.

Need help or advice with your finances?

We offer a free initial consultation!