Insurance & Protection

Buying a property or reviewing your finances should go hand in hand with looking at your protection options for you and your family.

 

Protection and insurance might not be as expensive as you think so it will always be worth at least getting a quote to understand what your options are. There are several different policies that can meet your needs. By understanding our customers we can make sure our advice is accurate and we provide the correct advice for you.

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Life Insurance

This will pay out a lump sum that can be used to repay the mortgage in full or go towards helping financial dependants

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Critical Illness

Another policy that pays out a lump sum, this time for a specified illness. Again this could be used to repay the mortgage in full although is often taken as a smaller amount of protection that is used to cover a missing income or care costs for a short time

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Income protection

You may want a portion of your income to be paid to you monthly in the event of a medium to long term sickness preventing you from working (check what your employer can offer first)

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Family Income Benefit

A much underrated product that can offer a lump sum payout on death. This is meant as an income replacement  for a short to medium term.

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Risk Reality Calculator - find out what you are at most risk of

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Please feel free to read our "Helping Hands" document in this link, which is our guide to buying, remortgaging and protecting your home

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