Personal Protection
Protect what matters.
We aim to ensure all our clients are protected should the worst happen.
See the types of protection we can help with below.
Life Insurance
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Life insurance is about making sure your dependents would have the money they need if you were no longer around. Life cover provides a lump sum if you die or become terminally ill with less than 12 months to live.
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Provides a lump sum if you die or become terminally ill with less than 12 months to live
Cover your mortgage, or other financial commitments you don’t want to leave behind for someone else to deal with
Cover living expenses and other things your loved ones may need help with
Flexible cover to suit you and your family’s circumstances
Critical Illness Cover (CIC)
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Illness is a fact of life. Some illnesses only keep us off work for a few days but others can be serious. Rehabilitation can mean a lengthy time not earning, plus you might need costly care. And that’s on top of your usual outgoings – mortgage or rent, food and bills.
That’s why Critical Illness Protection is worth considering. It pays out if you’re diagnosed with a critical illness, giving you valuable cash to help cope during a very traumatic and uncertain time.
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Pays a lump sum if you die, become terminally ill, or are diagnosed with a critical illness
Spend the sum on anything you like such as medical and everyday expenses
The provider will have a set list of accepted conditions.
Can add childrens cover
Choose a single policy
Can pay a partial amount for certain conditions that may be caught early
Income Protection
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Having income protection insurance is an important thing you can have in place to help protect your finances if you become unable to work due to illness or an injury. The policy will provide a monthly income to help cover your living costs if you're unable to earn your regular salary.
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It replaces part of your income if you suffer a loss of earnings due to becoming ill or injured and are unable to work
Income protection covers you until you have recovered or until retirement, death, your policy ends or until the limited claim period on your policy ends - whichever is sooner
You can claim as many times as you need to – while the policy lasts
Starts to pay after a set deferred period (a period you have to be out of work for before the policy starts to pay.
*Every insurance policy is different, and coverage, terms, and conditions vary based on the provider, policy type, and individual circumstances. Always review your specific insurance policy and consult with your insurance provider or a qualified professional to understand the details of your coverage.
The Statistics
“1 in 2 people will develop some form of cancer during their lifetime.”
- NHS
“On average someone is diagnosed with cancer at least every 90 seconds in the UK.”
“Every 3 minutes someone dies from a heart or circulatory disease.”