Get an insurance quote!
Life or term assurance is one of the oldest forms of life protection available. At its simplest, it is a way for an individual or individuals to have a lump sum paid to their family or loved ones in the event of the lives assured dying during the agreed period that the cover is in place. The period of cover can range from 1 year through to 40 years in some cases depending on individual needs and requirements.
When a loved one dies, the emotional effect it has on families can be devastating; the financial implications can also be far reaching. In times of austerity, most people are now coming to realise they can no longer rely on the state to provide for all of their financial needs, potentially forcing families to choose between what to pay for and what to compromise on. The last thing you would want to happen is to see your family struggle financially when it could so all easily be avoided.
Get a quote!
Critical illness covers a wide range of specified illnesses which are specified in the key features document of the company concerned. The illnesses covered are typically Alzheimer’s disease or pre-senile dementia, benign brain tumour, Blindness, cancers, cardiac arrest, coma, deafness and Parkinson’s disease to name some of the more common ailments. In comparison to just life cover critical illness is a more expensive option however, it is covering a greater range of possibilities and the likelihood of claiming for an illness runs a greater risk than that of dying and the costs reflects the risk involved.
Protect your loved ones and secure your home when you're gone
Protection plans are designed to help protect against the impact of death, terminal illness or critical illness (if chosen) on you and your family. Your policy could be used to help pay off your outstanding mortgage or to help protect your family’s lifestyle and everyday living expenses.
Protect you income if you're off sick
Income protection provides affordable and flexible cover to give you a regular monthly income if you are unable to work due to sickness or injury.
Whether you are employed or self-employed, it’s important to consider how you and your family might cope if your regular income was lost due to an absence from work through sickness or injury. Monthly bills such as the mortgage, rent, utilities, loans and credit card payments would still need to be paid and family finances might soon become challenging. Cover is available from age 16, and the benefit can be paid right up to 68.
- Life insurance
- Critical Illness
- Mortgage Protection
- Income Protection