Insurance

life-insurance-heroLife assurance allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for. Your heirs can get a lump sum payment on death, guaranteed income, your mortgage can get paid off. We feel cover is essential to maintain a quality of life for your family in the event of death.

Can you afford not to get life cover?

Talk to us about how much life cover costs and the many benefits. It is more affordable than you think.

Life insurance is a crucial step in planning for your future and the future of your loved ones.

Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

Critical Illness Cover

Critical Illness Cover is a very valuable type of policy where you get paid a lump sum when diagnosed with a life threatening illness ie: Cancer etc. You can use the lump sum for specialist treatment, or whatever you like, but it softens the blow for you and your family if the unforseen happens.

We do offer policies that pay out on low level diagnosis where you have a very good chance of surviving. To many these are even more sought after as you will get paid out even in less critical condition so can get the best medical care before your condition gets worse. Our advisers will happily guide you through all the conditions covered and terms of the policy in full detail so a policy can be tailor made to your requirements.
Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Income Protection

Income Protection Insurance pays out a regular tax-free replacement income if you become unable to work because of illness, injury or unemployment. It could help you keep up with your mortgage repayments and other living costs until you are able to return to work.

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