The future belongs to those
who prepare for it today

Peace of mind is priceless. If the worst should happen having the right protection plan in place for your family will mean your loved ones can focus on the things that matter most without worrying about unplanned financial complications.

Providing for your loved ones in the event of your death is obviously an important issue. As we get older and we are more financially secure, it is only natural that we consider the future for our children and grandchildren. However, the situation is brought into sharper focus by the fact that a lack of planning may well reduce the amount that we are able to leave to our children and grandchildren.

 

It is essential to have the right life insurance in place. As we already know, you can't always rely on being there for those who depend on you. There are various ways of providing for your family in the event of your premature death, and term insurance policies are just one way. The plans have no cash-in value or payments on survival as their design is limited to protecting your family. However, you could also use term insurance in relation to estate planning and for the payment of mortgages or other debts.

We offer to write all life assurance policies into trust free of charge so that you gain the many benefits that this has to offer.

Diagnosis of a serious illness can lead to a very difficult time for your wealth, as well as your health. Critical illness cover can provide important financial security at a time when you need it most. Many people buy life insurance to repay a mortgage or to leave a financial cushion for their loved ones if they die. However, within a given timescale, you are more likely to suffer a critical illness than you are dying.

Lots of people first consider critical illness cover when taking out a mortgage. With this type of insurance, you have enough life and critical illness insurance to cover your mortgage debt, so your mortgage is paid off in full should you die or suffer one of the specified critical illness. If you have a repayment mortgage, you can have insurance that automatically decreases in line with your outstanding mortgage loan. This type of policy only pays out once for either death or critical illness. In this case, it may be worth considering separate policies

We have access to CI EXPERT which is an independent organisation that creates in-depth analysis to assist us in choosing the best policy for you. It also allows us to advise and recommend on any existing policies you have if you are thinking of switching providers. We can get you advice on some of the benefits you may lose, and likewise gain, in the switchover.