Personal Protection
When it comes to protecting your home, loved ones and lifestyle, there are many types of insurance to consider. We’ll help you to decide which types of cover would suit your needs and circumstances, ensuring they fit within your budget.
Critical Illness Cover (decreasing)
Is a type of insurance that provides a lump sum payment if you’re diagnosed with a critical illness. Unlike standard critical illness cover, the payout amount decreases over time, typically mirroring the balance of a repayment mortgage.
Gift Inter Vivos
A gift inter vivos is simply a gift given between living people. It’s the opposite of a gift made after death (a bequest). These gifts are not subject to inheritance taxes as they’re not part of the donor’s estate at the time of death.
Critical Illness Cover (level term)
Critical illness cover pays a lump sum if you’re diagnosed with a covered condition, such as cancer or heart attack. This money can help with expenses, replace lost income or provide financial security for your family.
Private Medical Insurance
Is a policy that covers the cost of private healthcare. It complements the NHS, offering quicker access to appointments, specialist treatments, and a wider choice of hospitals. While it requires monthly premiums it can provide peace of mind and potentially faster treatment for various health conditions.
Family Income Benefit
Is a type of life insurance that pays out a regular income to your family if you die or become terminally ill, rather than a lump sum. This income can help replace your lost earnings and cover ongoing expenses like mortgage payments, bills, and childcare.
Income Protection
Provides a regular income if you’re unable to work due to illness or injury. It can help cover essential costs like your mortgage or rent while you focus on recovery. Although not widely owned, it offers crucial financial security in unexpected times.
Life Cover (level term)
Provides a fixed lump sum payment to your loved ones if you pass away during the policy term. Both the premium and the amount of cover remain the same throughout the policy.
Whole of Life (non investment)
Provides a guaranteed lump sum payment to your beneficiaries upon your death. Unlike term life insurance which has a fixed term, whole life coverage lasts your entire life as long as premiums are paid. It offers financial security and peace of mind, knowing your loved ones will be protected regardless of when you pass away.
Life Cover (decreasing)
Is a type of life cover designed to match the decreasing balance of a mortgage. As your mortgage reduces, so does the payout from the policy. This makes it a cost-effective option for protecting your loved ones from financial hardship if you die while still paying off your home.
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