Personal Protection

mortgage protection testimonial

“Every single requirement I have, be it either with personal or business, I will always go to SN Financial.

MIE Solutions
– 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.

two members of the team discussing mortgage protection

Our key areas of experience include:

Accident, sickness and unemployment

Budget Income Protection

Critical illness

Guaranteed 50 Plus

Level life assurance

Long Term Income protection

mortgage protection

Mortgage Protection - decreasing life, critical illness and income protection

Whole of Life

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 and mortgage protection

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

Samantha looking at her screen about mortgage protection

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.

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.

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