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ProtectionCover sized around your life, not their target.
A mortgage is usually the largest thing anybody signs for, and protection is what stops it becoming somebody else's problem. Ten kinds of cover below, for the household and for the business. We will tell you where you already have enough through work, and we will tell you where you have none at all.
Protecting your household
Cover for you and the people at home. Sized around your mortgage and your family rather than around the largest policy a provider would like to sell you.
Life Insurance
Life insurance pays out if you die during the term of the policy.
Read more →Critical Illness Cover
A lump sum on diagnosis of one of the conditions your policy lists.
Read more →Income Protection
Income protection replaces part of your earnings each month if illness or injury stops you working.
Read more →Family Income Benefit
Family income benefit pays your family a regular monthly amount for the rest of the policy term if you die, rather than a single lump sum they then have to invest and manage themselves.
Read more →Child Critical Illness Cover
Cover for your children against the conditions the policy lists.
Read more →Protecting the business
Cover arranged through and paid for by the company, for the people a business cannot simply replace.
Relevant Life Insurance
Life cover for a single employee or director, arranged and paid for by the company.
Read more →Key Person Insurance
Key person cover pays the business itself if someone it cannot easily replace dies or becomes seriously ill.
Read more →Shareholder Protection
Shareholder protection gives the remaining owners the money to buy the shares of one who dies or becomes seriously ill, instead of finding themselves in business with that person's family, or with whoever the family sells to.
Read more →Executive Income Protection
Income protection for a director where the company pays the premiums and receives the benefit, then pays it on to the employee through payroll in the ordinary way.
Read more →Protecting your time
Treatment without the wait, for when the NHS list is longer than you can afford to wait. It can be paid for personally or through a limited company, and the two are taxed quite differently.
What happens when you ask us about cover
We look at what you already have
Death in service through work, an old policy still running, cover built into a mortgage from years ago. People are more often wrongly covered than uncovered.
We work out the gap
What your household or your business would actually be short, month by month, rather than a round number that sounds reassuring.
We compare the wording, not just the price
On critical illness and income protection especially, the definitions decide whether a claim gets paid. That is where the time goes.
We set it up properly
Full disclosure on the application, written in trust where it should be, and reviewed when your life or your business changes.
Ask us about protection
Not sure which of the ten you need, or whether you need any of them? That is the conversation to have, and it costs nothing.
- One of the five advisers on Eastfield Road, not a call centre.
- Usually the same working day.
- No obligation, and nothing to sign at the end of it.
Would rather talk now? Call 01733 602 033.
Not sure what you already have?
Send us the policy documents and we will read them properly. If you have enough, we will tell you that.