Protection

Providing peace of mind against the unexpected.

Life Assurance: It’s a straightforward and affordable way of helping make sure that your family and loved ones are financially secure in the event of your death. The lump sum can be used to provide financial support to your family and loved ones, who might otherwise struggle to pay the mortgage, bills and other living expenses without your income.

Critical Illness Protection: Critical illness cover pays out a lump sum if you are diagnosed with a critical illness that meets the plans agreed definitions and subsequently survive for at least 14 days.

Income Protection: The current statutory sick-pay stands at £79.15 a week for the first 28 weeks and can then reduce depending on your circumstances, if you qualify in the first place! Unless this is enough to cover all your financial commitments should you lose your income through illness or injury, then an Income Protection Plan can help to maintain your current lifestyle.

Inheritance Tax Protection/Planning: Most people regard inheritance tax as a concern only for the very wealthy, but the total value of your assets could be more than you realise. In addition to the value of your property, your household contents, car, savings and investments could all be included for inheritance tax purposes. Even ISAs and PEPs lose their tax-free status on death and are added as part of your potential taxable estate.

Personal Medical Insurance: Private Health Insurance is all about quickly finding out what may be wrong with you and then making sure it gets fixed as quickly as possible.

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