“Every single requirement I have, be it either with personal or business, I will always go to SN Financial.“
– Local Business
Personal protection is an important financial consideration for people of all ages, so our services cover life assurance, mortgage protection and inheritance tax planning.
Though no one wants to think about an illness or loss, our dedicated team are on hand to discuss your financial protection needs and present tailored policy options that offer security and peace of mind.
We use state of the art quotation systems to source the most comprehensive and competitive personal protection policies available on the market, making sure you get a tailored solution that meets the needs of you and your loved ones.
Our key areas of experience include:
Accident, sickness and unemployment
Budget Income Protection
Guaranteed 50 Plus
Level life assurance
Long Term Income protection
Mortgage Protection - decreasing life, critical illness and income protection
Whole of Life
Level Life Assurance
Provides a fixed sum amount upon death, the sum assured will remain the same throughout the term of the plan
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. Paid 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
Inheritance Tax Planning
If you have been advised that your estate will pay Inheritance Tax in the event of your death, simple planning measures can help to reduce the amount payable. To help you plan ahead, we offer expert advisory services:
Whole of Life Assurance
will pay out on death and 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.
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.