Insurance Services
Life Insurance
Life insurance is designed in order to protect your loved ones, to provide them with either a cash lump sum, or an annual benefit, if you pass away within the term of the insurance policy. This gives your loved ones the security they may need once you are no longer around.
Life insurance isn’t solely mortgage related and there are many different options to consider before implementing a life insurance policy. Call us today to receive our expert advice regarding life insurance as well as other protection products.
Critical Illness Cover
Being diagnosed with a critical illness is an emotional time and the last thing you want to worry about is keeping up with your finances. A critical illness policy will provide a cash lump sum upon diagnosis of a specified critical illness. This can help to pay off your existing mortgage balance or other debts, cover the costs of potential treatment or care, or provide you with some security so you don’t have to worry about working. Critical illness cover is a complex subject and expert advice is always recommended. We are always on hand to discuss your needs regarding critical illness cover.
Income Protection
If you are not able to work due to sickness or injury, income protection has got you covered. This will provide you with a monthly benefit amount which is usually a percentage of your current income, which can aid you in keeping up with your existing bills and current lifestyle.
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This type of policy is designed to pay out for a set period or until you return to work. If you are a homeowner, it is essential you keep up with your mortgage payments to avoid losing your home. Although some employers do offer sick pay, it is usually only a short term fix, meaning you could benefit from an income protection policy. Get in touch today to discuss further.
Home Insurance
They say the home is where the heart is, so it is important to give it the cover it deserves. There are two main types of home insurance to consider; buildings insurance and contents insurance.
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Buildings insurance covers the structures of your home including permanent fixings, and most lenders require you to have this in place prior to the completion of your mortgage. Contents insurance protects the non-structural items in your home from damage or theft/loss.