Protection Insurance

A FRESH APPROACH TO PROTECTION INSURANCE

SPEAK TO ONE OF OUR EXPERT INSURANCE ADVISERS…

Fresh, Friendly Insurance Advice
Protection insurance doesn’t need to cost the earth. In fact it might not cost as much as you think, and even a relatively small amount of cover would help your family cope for a while.
There are many types of cover available on the market today, we have listed these below. However we would recommend that you speak with a qualified expert adviser who will be able to assess your individual situation and advise on the right type of protection products to suit you and your family.
If you are unable to afford all the cover you need today, why not take out a little now and add more cover in the future.

TYPES OF PROTECTION COVER:

LIFE ASSURANCE

Life assurance gives you peace of mind that your loved ones will be provided for should you die. There are many different ways to arrange life cover and we can help you find the best deals available.

Life assurance ensures that in the event of death your mortgage will be repaid and the costs not passed on to your dependents or loved ones.
Level term assurance provides a set level of cover for the term you choose.

Decreasing term assurance covers you for the term you choose, but the level of cover decreases through the term of this policy.
Contact our protection experts to get a personalised quote.

CRITICAL ILLNESS COVER

You could help your family cope for a while without income to pay household bills and debts. This type of cover will pay out a lump sum which could pay for other things like:
• Private treatment
• Prescribed drugs not available through the NHS
• Changes to your home
• Paying off part of your mortgage

Contact our protection experts to get a personalised quote.

BUILDINGS AND CONTENTS INSURANCE

It will be a condition of your mortgage that you have buildings insurance to protect your home, and we can provide you with a cost effective personalised quote by speaking with our expert protection advisers.

In addition, and for your added peace of mind, it is also important to arrange adequate contents insurance so that your belongings are covered against things like fire, theft and flood.

Contact our protection experts to get a personalised quote.

MORTGAGE PAYMENT PROTECTION

Mortgage protection such as accident, sickness and unemployment cover can give you peace of mind knowing that in the event of redundancy or illness your mortgage payments will be made and your home will be safe.

Most standard mortgages do not have any protection insurance included, so it is important to decide what kind of separate cover you need. Accident, sickness and unemployment cover insures you against changes in your circumstances due to redundancy, disability, or illness. Usually payments are made for up to a maximum of 12 months. If you would like to be covered for longer than this you may want to consider taking out income protection.

Contact our protection experts to get a personalised quote.

INCOME PROTECTION

This offers borrowers the security of knowing that their essential repayments will be made if anything happens. For example, if you are in an accident and are unable to work for a while, a lack of comprehensive income protection cover means you will rely solely on state benefit – around £70 per week – which is unlikely to be sufficient to meet your mortgage repayments.
This is where income protection can help as it provides a tax free monthly payment until you are able to return back to work.

Contact our protection experts to get a personalised quote.

YEARS EXPERIENCE IN THE FINANCIAL INDUSTRY

YEARS TRADING HISTORY

CLIENTS HELPED OVER THE PAST 10 YEARS

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