Life Insurance

Life insurance pays out a death benefit to your beneficiaries when you pass away. This lump sum payment can be used to cover various expenses such as funeral costs, mortgage or rent payments, outstanding debts, and ongoing living expenses to protect your family and home.

Mortgage protection insurance offers peace of mind knowing that your family is protected in case of unforeseen events. You can choose between decreasing term and level term policies, depending on your needs and preferences but we will review your insurance requirements to tailor the cover to your personal circumstances.

This type of cover can pay out a  lump sum (tax free) upon diagnosis of certain life threatening or debilitating illnesses, or for a condition you may receive treatment for and survive. Knowing that you and your family are financially protected in case of a critical illness can provide peace of mind during a challenging time. 

Critical illness insurance provides cover for specific severe medical conditions, such as cancer, heart disease, stroke, organ transplant, and different insurance policies may cover various critical illnesses. 

Income protection is a vital financial tool designed to provide you with financial security during times when you are unable to work due to illness or injury. It ensures that you can meet your financial obligations and maintain your lifestyle when unforeseen events disrupt your income. 

These policies can be especially useful for self-employed people who won’t receive sick pay from an employer, and not all employers offer this as part of their employee benefits.

Business protection is an essential component of managing and safeguarding your company's financial well-being. It provides a safety net for your business by ensuring that it can continue to operate and remain financially stable in the face of unforeseen events, such as the death or critical illness of a key employee or business owner. 

We can advise on Relevant Life Policies and Key Person insurances.

 These are arranged by introduction only.

Whether you have a mortgage or not, these types of insurance are essential for homeowners and tenants alike, providing peace of mind in the face of unexpected events that can damage your property or possessions. 

If you are a landlord, you will need a specialist type of cover for building and any contents, this is called landlords insurance which we can also advise you on.