What Services do we provide?

Life cover

Whole of Life insurance is a policy that is guaranteed to pay out to your loved ones after you pass away, as a means of ensuring they are both financially secure and also able to manage any commitments you leave behind. This is lifelong protection that can make a difficult time that little bit less stressful.

You can choose different plans depending on how you would like to pay your premiums. You can make payments up until the day you die, for a set period of time, or as a one-off sum. Your money can also be used as investments, which could create a higher return in the future.
There are a number of factors to consider with whole of life insurance – how many dependants will you have? Will there still be mortgage payments due after your death? How much of an inheritance would you be leaving behind?

As it involves a guaranteed financial payout, whole of life policies can be a little more expensive than regular life insurance, so it can be tricky to figure out which option best suits your needs. The cost of your premium can also vary depending on your age, health – even your smoking habits come into play.

Income Protection

Income protection policies are designed to provide tax-free financial support if you ever find yourself in a situation where you need to take extended time off work because of illness or injury, to ensure you are financially stable while you focus on what really matters.

Every policy is different and will cover different conditions and levels of health. The cost will depend on your job, age, the percentage of your income that you will need covered and your current health. The length of time it takes to claim your policy can be determined by the amount you pay each month. Once everything is in place, you can claim as often as you need to and your coverage will last either until you start working again, or until retirement.

It is clear that there is a lot to think about when debating if you should get income protection insurance – can you afford to keep up your household if you fall ill and can’t work? What level of cover can you comfortably afford? Will your savings or sick pay adequately provide for your loved ones?

Critical/Serious Illness Cover

Although it isn’t nice to think about, it is important to think about cover for any severe illnesses or death that could have an impact on your loved ones.

Critical illness insurance will provide a one-off, tax-free lump sum in the face of a serious medical situation, which can be used to cover finances while the individual cannot work to pay for treatment, arrange for any required care, to modify your home and even to pay your mortgage.

Different policies will cover a variety of conditions and ailments – while before the majority of policies only covered heart conditions and strokes, a variety of others such as Parkinsons, deafness, blindness and MS are now included in critical illness insurance policies. They will not however cover existing medical conditions.
The cost of your cover will depend on a number of factors; your age, existing health conditions and your employment. We will take all of these into consideration when evaluating your critical illness policy.

Accident Cover

Everyday protection plans are designed to be flexible and affordable, paying out cash benefits when unexpected accidents, illnesses, or injuries occur. They can help cover the costs of broken bones, hospital stays, long-term disablement, or even accidental death — providing immediate financial relief at a time it’s needed most. Unlike traditional policies, this type of cover can be tailored to suit individual lifestyles, with options to extend protection to children or add benefits for active pursuits. It’s an extra layer of security that sits alongside life insurance, critical illness cover, and income protection, giving families confidence that more of life’s “what ifs” are taken care of.

Contact Us

Ready to secure your financial future? Reach out to us to learn more about our personalized protection services.