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Life, Critical Illness and Income Protection Insurance

We will undertake a full Fact Find with the client and bear in mind current family situation, income and health. From this fact find we will make a recommendation which could involve some or all of the following types of cover:

Life Term Assurance or Mortgage Protection Life Assurance

The term of the cover is set to cover a mortgage or life style. If you die during the term your insurer will pay the sum insured. If the policy is set up as a joint life cover then the sum insured is payable upon the first death. The policy ceases when a claim has been made or at the maturity date of the policy. The policy does not have a cash in value at any time.

Critical Illness

The sum assured is paid should the client be diagnosed with a critical illness within the definitions of the policy. Many policies also offer free cover for children.

Family Income Benefit

Similar to Life Term Assurance but the sum assured is a yearly or monthly income during the remainder of the term following death.

Income Protection

This cover provides an income should you not be able to work due to ill health.

For a full analysis of you needs and a recommendation call 01202 386053 or Email Us

Your home may be repossessed if you do not keep up repayments on your mortgage