Types of Life Insurance Cover:
When do I need cover?
Life assurance can often be overlooked because it is something people do not like to thinking about or because there are more important things to do and spend our money on. Plus you may be burying your head in the sand thinking it will not happen to me.
If you were to understand the consequences of not having protection, you might think differently. Why not speak to our protection experts today to see whether taking out a protection policy is right for you.
Protect your loved ones if you die
Life insurance is designed to protect your family or other dependants from the financial consequences of your death.
Protect you and your loved ones if you suffered a serious illness
Critical Illness insurance aims to provide the same security and peace of mind for you and your family – but this time against the financial effects of you being diagnosed with a serious illness.
Protect you and your loved ones from loss of income
Income Protection insurance provides a financial safety net if you are unable to work through serious illness or accidental injury.
Plan for your future
The best way to protect your loved ones is by making your own financial protection arrangements in good time. Your financial adviser will be able to help you put plans in place to ensure that money is available when you or your family need it most.
Life Insurance Plans Available:
Level Protection Plan
A Level Protection Plan that always pays out the same sum assured. This may be right for you if you are looking for financial protection for your family or business if you die, suffer a terminal illness or are diagnosed with a critical illness covered by your plan. The protection you get will depend on the type of cover you choose.
Decreasing Mortgage Cover Plan
Our Decreasing Mortgage Cover Plan may be right for you if you have a repayment mortgage or loan and you want to make sure the debt will be repaid if you die, suffer a terminal illness or are diagnosed with a critical illness covered by your plan before the end of the mortgage or loan term. The protection you get will depend on the type of cover you choose.
Family Income Protection
Family protection Income is ideal for those that want to ensure their families can afford the day-to-day costs of running a family after the mortgage has been repaid with your life insurance.
Income Protection Plan
Our Income Protection Plan may be right for you if you need a regular income to replace some of your earnings if you can’t work because of illness or injury, whether you’re employed or self-employed.
It may also be right for you if you have a business where the loss of a key person, due to illness or injury, will affect your ability to generate income and profit.