Protecting Whats Important

Insurance

  • Life Insurance

    Life insurance is a type of insurance that provides a lump sum payment to your beneficiaries when you die. It can be used to pay for funeral expenses, outstanding debts such as your mortgage, or to provide financial support for your loved ones upon death.

    There are two main types of life insurance: term life insurance and whole of life insurance. Term life insurance provides coverage for a specific period of time, typically 10, 20, or 30 years. Whole of life insurance provides coverage for your entire life.

    The cost of life insurance depends on a number of factors, including your age, health, smoker status and the amount of coverage you need. You can get a quote for life insurance from a life insurance company or through an insurance broker.

    As your advisor, I will be comparing policies from different providers to find the very best deal for your individual needs and circumstances.

  • Critical Illness Insurance

    Critical illness insurance is a type of insurance that provides a lump sum payment if you are diagnosed with a critical illness. This money can be used to pay for medical expenses, lost income, or other financial needs.
    Critical illness insurance is not the same as life insurance. Life insurance provides a lump sum payment to your beneficiaries when you die. Critical illness insurance provides a lump sum payment to you if you are diagnosed with a critical illness to help reduce the financial burden.
    Here are some of the critical illnesses that are typically covered by critical illness insurance:

    • Cancer
    • Heart attack
    • Stroke
    • Kidney failure
    • Liver failure
    • Lung failure
    • Multiple sclerosis
    • Parkinson’s disease
    • Alzheimer’s disease
    • HIV/AIDS


    The amount of coverage you need will depend on your individual circumstances. You should consider your potential medical expenses, lost income, and other financial needs.

    Critical illness insurance can provide you with peace of mind and financial protection if you are diagnosed with a critical illness.As your advisor, I will be comparing policies from different providers to find the very best deal for your individual needs and circumstances.

  • Income Protection insurance

    Income protection insurance is a type of insurance that provides you with a regular income if you are unable to work due to illness or injury. It can help you to pay your mortgage, bills, and other expenses while you are unable to earn a living due to an accident or sickness. Most companies these days do not provide any sick pay at all and the government statutory sick pay is currently only £109.40/week!!

    Income protection insurance is not the same as critical illness insurance. Critical illness insurance provides you with a lump sum payment if you are diagnosed with a critical illness, such as cancer or a heart attack. Income protection insurance provides you with a regular income if you are unable to work due to any illness or injury, even if it is not a critical illness. You could have both critical illness and income protection.

    Most companies these days do not provide any sick pay at all, self employed wont have any and the government statutory sick pay is currently only £109.40/week. So having an income protection policy can allow to concentrate on getting back to good health without worrying about how you can pay the bills!

    Here are some of the benefits of having income protection insurance:

    • It can provide you with a regular income if you are unable to work due to illness or injury.
    • It can help you to pay your mortgage, bills, and other expenses while you are unable to earn a living.
    • It can give you peace of mind knowing that you are financially protected if you are unable to work. If you’re concerned about the financial impact of being unable to work, income protection insurance may be a good option for you.

  • Family Income Benefit

    Family income benefit is a type of life insurance that provides a regular income to your family if you die. It is designed to replace the income that you would have earned if you were still alive.

    Family income benefit policies typically pay out a monthly income for a set period of time, such as 10 or 20 years. The amount of income that is paid out each month is based on the amount of cover that you take out.

    Family income benefit policies can be taken out by anyone who has dependents, such as children or a spouse. They are particularly suitable for people who are the main breadwinner in their family.

    As your advisor, I will be comparing policies from different providers to find the very best deal for your individual needs and circumstances.

    Here are some of the benefits of having a family income benefit policy:

    • It can provide your family with a regular income if you die.
    • It can help to pay for your mortgage, bills, and other expenses.
    • It can give your family peace of mind knowing that they are financially protected if you die.

  • Buildings & Contents Insurance

    Buildings and contents insurance is a type of insurance that protects your home and its contents against damage or loss. It is important to have this insurance in place to protect your home and belongings in the event of an unexpected event, such as a fire, flood, or theft.

    Buildings insurance covers the structure of your home, including the walls, roof, and floors. It also covers any fixtures and fittings that are attached to the building, such as kitchens, bathrooms, and central heating systems. This will be a condition of any mortgage offer so must be in place before any money is released.

    Contents insurance covers your personal belongings, such as furniture, clothes, and electrical appliances. It also covers any valuables, such as jewelry, watches, and antiques. This cover is optional, however, highly recommended.

    The cost of buildings and contents insurance will vary depending on a number of factors, including the size and value of your home, the level of cover you choose, and the excess you are willing to pay.

    As your advisor, I will be comparing policies from different providers to find the very best deal for your individual needs and circumstances.