Protection Products
We deliver an integrated and seamless customer experience across multiple channels—whether face-to-face or online—unlocking new avenues for engagement and supporting a diverse range of client needs. Our evolving approach ensures practical, innovative solutions in an ever-changing market landscape.
It is essential to recognise your responsibility to exercise reasonable care when providing information to insurers, ensuring that all details are accurate and complete. This duty of fair presentation is fundamental to securing appropriate cover and safeguarding the validity of your policy.
We strongly advise seeking bespoke, professional guidance to fully understand your protection options and to obtain coverage tailored precisely to your individual circumstances.
Mortgage Protection Mortgage Life Insurance
Owning a home is one of the most significant investments you make. It’s important to ensure that, should unforeseen circumstances arise, your family, your home, and its contents are protected, and that your family’s current lifestyle can be maintained.
We can work with you to find protection solutions tailored to your budget and personal needs. Our offerings include life insurance, critical illness cover, income protection, unemployment cover, as well as buildings and contents insurance.
Protection products are vital because they provide financial security during challenging times, helping to cover mortgage repayments and essential living expenses. We strongly recommend seeking professional advice to identify the right level and type of cover for your unique situation.
Life & CI Life Cover and Critical Illness Cover
Life assurance plays a crucial role, especially if you have dependants relying on your income. It provides a lump sum payment if you pass away within the policy term, which can be used to cover debts such as your mortgage or other financial commitments.
In addition to protecting debts, life cover can help maintain your family’s standard of living by contributing towards everyday expenses, education costs, and other essential needs.
Critical illness cover is often included or added to policies to pay out a lump sum upon diagnosis of a specified serious illness. This payment can be used flexibly—whether to repay your mortgage, adapt your home to new needs, or access private medical treatment.
As with all insurance products, terms, conditions, and exclusions apply. It is important to seek tailored advice to fully understand what cover is appropriate for your individual circumstances and to ensure you select the most suitable policy.
Income Protection Income Protection
Each year, around one million people in the UK are unable to work due to serious illness or injury. Income protection insurance is designed to provide financial support if you are unable to earn an income for these reasons.
This type of long-term insurance pays a regular monthly benefit, helping to replace a portion of your income until you are well enough to return to work or until you reach retirement age. Many policies also offer valuable additional features, such as rehabilitation support, hospital stay allowances, and fracture cover.
Given the complexity and long-term nature of income protection policies, it is important to seek personalised advice to ensure the cover you choose aligns with your individual circumstances and financial needs.
Whole of Life Whole of Life Cover
Whole of life insurance is a policy designed to provide a guaranteed lump sum payment to your beneficiaries upon your death, regardless of when that occurs. This differs from term life insurance, which only provides cover for a specified period.
Unlike level term insurance, which lasts for a fixed term chosen at the outset, whole of life cover remains in place for your entire lifetime, offering certainty that a payout will be made. This can provide valuable financial stability and peace of mind for your loved ones.
However, whole of life insurance typically comes with higher premiums compared to term life policies, which is why many individuals opt for level term insurance as a more affordable alternative.
Due to the complexity and long-term nature of whole of life insurance, we recommend seeking personalised professional advice. This will help you fully understand the costs, benefits, and suitability of the policy in relation to your individual financial situation and objectives.
Business Protection Keyperson, Shareholder & Partnership Protection
Businesses often rely heavily on key individuals—whether directors, essential employees, or shareholders—whose absence could seriously impact operations or ownership. Keyperson, shareholder, and partnership protection policies provide a fixed lump sum payment if these individuals are unable to work due to illness, injury, or death.
This financial benefit helps cover the company’s immediate expenses, such as recruitment costs, business continuity measures, and safeguarding the firm’s future. In the event of a shareholder’s death, protection can enable remaining shareholders or partners to purchase the deceased’s shares promptly, helping to maintain control and stability within the business.
Given the complexity and potential financial impact of these arrangements, it is vital to seek professional advice. Expert guidance ensures that the protection chosen aligns with your specific business structure and objectives, providing clarity on policy terms and helping to secure your business’s long-term resilience.
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