Ask Yourself
- Who would get the money from my Life Cover if I died ? Am I certain of that.
- How much insurance do I really need.
- Does my cover fit what I need now or what I needed back when I started the Policy.
- How much should I be paying.
- Which Insurance Company offers the most benefits like a 2nd medical opinion or Access to a dedicated nurse.
- Can a policy help me if I get sick or suffer a critical illness like cancer, stroke or a heart attack.
- Does my Critical Illness Insurance cover my children.
- Who owns my business if I die, can I protect it.
- Can my Company pay for my Life cover as a business expense.
- How long can you last financially if you or your family lost your income.
With Critical Illness Cover, did you know, nearly 90% of claims are for Cancer, Stroke, Heart Attack, Multiple Sclerosis & Children’s Critical Illnesses. *
*Source. Royal London UK claims paid 1/1/2016 to 31/12/2016
The last thing anyone needs is financial worries or increasing debt at the time they have just lost their health or lost a family member. By investing a little in yourself, you can focus on what is important at the most difficult time, your health or your family. Insurance can be the best investment you ever made.
- You can tailor make a policy to fit what you need and what you want to pay.
- Premiums are so much cheaper as a young healthy person.
- Premiums can be guaranteed not to increase.
- You can change your policy to fit your changing needs as you go through life.
- You can buy cover that pays out a lump sum, income or both.
- State Benefits will probably not be enough to fall back on.
- Many people spend more on pet insurance than their own cover.
- Applications need to be correct. A rejected claim is the worst possible scenario at the worst time.
- The cover should fit your needs, no more, no less, so you only pay for what is needed.
- Different policies are not the same. Advice makes sense of the jargon.
- Different Insurers have different prices. Independent Advice will find the best Value.
- The cover needs to pay out to the right person at claim. Advice can ensure this happens.
Life Cover
money for a nominated person if you die
Critical Illness Cover
money if you become ill from a list of defined illnesses
Relevant Life Cover
Employer funded life cover
Business Protection
Protecting key people or your share of a business
Mortgage Protection
Money to repay your mortgage loan
Income Protection
A monthly income if you are long term sick from work
Family Income Benefit
A monthly income for the family if you die.
Buildings & Contents Insurance
Cover for your home and what you own.
We have access to Professional Will Writing and Lasting Power of Attorney Advice.
Dying without a Will means you die intestate and your assets can be distributed against your wishes.
These are needed at some time, this isn’t negotiable, and having a Will or Lasting Power of Attorney in place beforehand is the only option available to you.
Estate Planning & Inheritance Tax Planning
This can be as simple as you choose and can never be started to early. If you don’t, you will find HMRC in charge.
No parent wants the Government inheriting MORE than each of their children from Inheritance Taxes on their Estate.
We can help you put this planning in place.