Life cover is a type of insurance product that can help minimise the financial impact that your death could have on your loved ones.
If you were to die or if you are diagnosed with a terminal illness with a life expectancy of less than 12 months during the length of the policy, it could pay out a cash lump sum or even a monthly benefit.
You may choose to take out a policy to help pay an existing or new mortgage for the peace of mind that your life cover can financially help your loved ones.
If you do not have a mortgage, Life cover can be taken as a stand-alone policy to bring extra support with everyday living expenses for your loved ones.
We will always work with you to tailor your policy to your needs and budget.
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You can't ever know what's around the corner for your health, but you can make sure you're prepared financially. A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial worry.
Critical Illness Cover can help minimise the financial impact on you and your family if you were to become critically ill.
Think about expenses you'd need to cover if you were critically ill and could not work. It might be monthly outgoings like rent payments and general bills, or instalments on a loan or a mortgage. Critical illness cover can take away the financial worry for you while you rest and recover. Avoiding the worry of you needing to return to work too soon.
There are different levels of cover available depending on your needs and circumstances and we will tailor this for you.
Email UsThere are events we can all face that have the potential to wreck lives and families.
It's a difficult issue to think about but imagine the impact on you and your family should the main earner in your household become unable to work.
Income protection is an insurance policy that can help support you with a monthly payment if you're ill or injured and unable to work. It pays a proportion of your earnings, which could help cover your monthly outgoings. So you will be able to focus more on getting better and back to work.
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Buildings and contents insurance is a type of home insurance. It is a combined insurance that will cover or replace any damage that might occur to your house or your contents, including loss. It is essential for all mortgaged houses.
Buildings insurance ensures the structure of your home and its fixtures and fittings are covered. This includes things like fitted kitchens and bathrooms, as well as walls, doors, windows and roofs.
Contents insurance covers all the things that can make a house a home. This includes things like furniture, carpets, clothes, electronics, and personal items, such as mobile phones & tablets, even if they are away from the home.
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