Life insurance is cover to protect your family should the worst happen and you have dependents who rely on your income.
There are many different types of policy which can be set to meet your individual needs and circumstances. You may already have some level of cover through your employer but may want to top this up and we can advice on this too.
Income protection insurance is there to provide a tax free income should you be off work for an extended period due to sickness.
Cover can vary and it can be tailored to your personal and family requirements. State support is unlikely to cover your needs so the additional income is designed to protect you and your family during what can be a stressful time.
Accident, Sickness and Unemployment
Accident, sickness and unemployment cover brings together these three key areas under one policy as they are likely to be the key causes of loss of income at any point in time. Depending on your current circumstances we can advise on the best type of policy for you.
Shareholder and Partnership Protection
This protection is designed to help "steady the ship" in the event of a director or partner in a business dying or being diagnosed with a critical illness as this can lead to short term financial difficulties.
Critical Illness Cover
Being diagnosed with a critical illness can be life changing in itself but when you add the ensuing financial burden which can come with it then it's important to consider critical illness cover. Critical illness insurance is designed to help you with daily expenses such as bills and loss of income and can be set up as an individual or joint policy.
Key Person Insurance
Key person insurance is taken out by a business, insuring the life of a key employee who, if they died or became critically ill, could have a significant effect on the wellbeing of the business. The lump sum payable can be used by the business in any way to protect the business.