Designed usually to pay a lump sum in the event of death, however we can discuss the other options with you. This is the policy that most people think about when it comes to getting protected. A straight forward policy, however you will need to consider how much, how long for and what can I afford? This is all something that we will discuss in our protection discussions.
Most people have heard of Cancer, but Critical Illness doesn’t just cover Cancer. Critical Illness cover is usually a form of policy that would give you a lump sum payment intended to pay off your mortgage or pay for care needs. However, other benefit options are available. Different insurance providers cover different illnesses so you should take considerable care in making your choices around Critical Illness cover. Also, you can benefit from a range of additional covers including Children’s Critical Cover. With our range of covers available, we will be able to find a policy that is best suited to you, your needs and circumstances.
Of the three personal protection policies, this is the least commercially well known. If you are looking for something that will pay you a regular income every month until you return back to work then this is the one for you. Some income protection policies cover problems such as back injuries, mental health issues and many others. This policy doesn’t need to be related to your mortgage, so even if you are renting and looking for some financial security, call us for your free protection appointment.
Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.
Unfortunately, you can’t legislate for what may happen to you in the future so we’re here to help walk you through some very serious decisions. Making these choices early can avoid a lot of stress if the worst was to happen to you or a loved one.
