Life & critical illness

Protection

Life and Critical Illness Protection

Life Insurance

The old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on life protection.

Life Insurance is used to protect your family from the financial implications of a personal tragedy and can be particularly important if you have young children or dependents. It can be used to cover a mortgage, other loans or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away.

Finding the right type of life cover can be time consuming and tedious. With so many different policies available, sometimes people opt for polices which seem advantageous due to cost but in practice, are totally wrong for you.

As independent advisors in this field, we can ensure we assess your individual requirements thoroughly before recommending a well suited policy for you.

Critical Illness

When health conditions impact on our ability to earn a living, this can have serious implications on the standard of living for both you and your family.

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

This type of plan is designed for those individuals or families who want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers which is why it is very important you contact us to discuss how we can help you find the plan that best meets your requirements.

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