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0191 418 7409 / 07866 714782
 

Protection


Life Insurance


There are so many different types of protection policy available in the market place that it can seem rather daunting to know what is best. Therefore we feel that it is best to find out what is important to you and then we will advise how to protect you and your loved ones.  We complete all of the paperwork for you and work with the insurance company to ensure a smooth quick process.

As with all insurance policies, conditions and exclusions will apply.

Some of the types of protection we offer are:

 

Life Insurance

What are the benefits of life insurance?

Life insurance could provide a range of benefits should the worst happen to you. As long as you meet the qualifying claim criteria, it can ensure that:

  •     Your mortgage is paid off
  •     Your family are financially protected
  •     You could still cover the cost of school/university fees
  •     You could still afford childcare costs.

 

Accident Sickness and Unemployment

This type of cover provides you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.

The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

Critical Illness Cover

This covers you for a serious illness or injury and can pay out either a lump sum or monthly income. Critical illness insurance will provide a tax free cash sum in the event that you are diagnosed with one of a set list of critical illnesses (most policies cover 30-40) where your diagnosis meet the providers definition. This cash sum can be used however you need to use it, it could be used to clear a mortgage or it could be used to replace a lost income, to pay for private treatment or for whatever else you feel is required.

This gives you peace of mind and lets you concentrate on getting better and spending time with your family rather than worrying about paying bills.

Term Insurance

Term insurance is generally linked to your repayment mortgage to guarantee that it is repaid in full on the event of your death. This gives you peace of mind that you are leaving your loved ones with a property without any outstanding debts attached. As the amount payable decreases in line with  the mortgage the premiums are priced to reflect this.

Whole Life Insurance

Whole-of-life insurance is designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones.

 

 


 

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