With access to many insurance and protection products we will ensure your mortgage, life style and home are protected against any unforeseen circumstances. We believe that this element of the advice process is one of the most important to get right. We can tailor an insurance package for you which will cover your specific requirements and give you peace of mind for the future.
We can advise on suitable cover to ensure your mortgage is repaid in the event of you dying during the term of your mortgage thereby allowing your dependants to live in their home mortgage free and can also arrange for them to receive a regular income for a specified term to help meet living costs.
Cover can be arranged to pay a lump sum on diagnosis of a specified critical illness and can be included as an option with your Life Cover or taken out as a standalone policy. This option can ensure your mortgage is repaid at a time when you are critically ill. Critical illness Cover on a standalone basis is a particularly sensible option for single people without dependants as it provides protection, security and the opportunity to remain financially independent even if critically ill.
Income protection is designed to provide replacement income through to retirement in the event of you suffering an accident or illness and not being able to return to work. This can be designed to commence when employer sick pay benefit ceases and ensures continuity of income to meet mortgage and living costs. Important in maintaining independence and the ongoing ability to meet commitments.