Protecting your financial future is just as important as building it. Life is full of uncertainties and obtaining professional protection advice, which ensures you have the right cover in place whether mortgage protection, critical illness cover or income protection provides peace of mind for you and your loved ones.
Our team of qualified financial advisers will work with you to ensure you have a well-structured protection strategy in place to protect your family, home and lifestyle to provide financial security when it’s needed most. Helping you to make informed decisions to protect what matters most.
Income protection is a type of insurance designed to provide financial support if you are unable to work due to illness, injury, or disability. It helps to replace a portion of your income during a period of incapacity, ensuring that you can meet essential living expenses, such as mortgage payments, bills, and daily costs, when you are unable to earn a salary.
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Mortgage Protection Insurance (MPI) is a type of life insurance designed to help cover your mortgage payments if you become unable to work due to illness, injury, or death. The primary purpose of MPI is to protect your family and ensure they can continue to pay the mortgage, even if you are no longer able to contribute financially. This provides peace of mind, knowing that your home is secure during a difficult time.
Find out more about Mortgage Protection here.
Critical Illness Insurance is a type of insurance that provides a lump sum payment if you are diagnosed with a serious illness covered by the policy. This financial support is designed to help you manage the costs and lifestyle changes associated with serious health conditions, such as cancer, heart attack, stroke, or multiple sclerosis.
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A Whole of Life Plan is a type of life insurance that provides coverage for the policyholder’s entire life, rather than for a fixed term like term life insurance. The policy pays out a lump sum to the designated beneficiaries upon the policyholder’s death, regardless of when that occurs, as long as premiums are maintained. This makes it an important financial planning tool, especially in the context of Inheritance Tax (IHT) planning.
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Family Income Benefit (FIB) Insurance is a type of life insurance that provides regular, tax-free income to your family or dependents if you pass away during the policy term. Unlike traditional life insurance, which pays out a lump sum upon death, FIB pays a monthly income for a set period, such as until your children reach adulthood or until your spouse can financially adjust.
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If you have any questions regarding protecting your loved ones please get in touch with our team of qualified financial advisers for a no obligation chat
The earliest known life insurance policy was made in Royal Exchange, London on 18 June 1583. A Richard Martin insured a William Gybbons, paying thirteen merchants 30 pounds for 400 if the insured dies within one year.
The required coverage of protection will depend on factors such as outstanding debts (e.g., mortgage), future family expenses and your income. Our financial advisers will work with you to understand your specific circumstances and help you determine an appropriate level of cover.
Yes, it’s possible to hold multiple policies to cover different needs, such as a mortgage protection and family income protection.
Generally, payouts are tax-free. However, placing the policy in trust can help avoid potential inheritance tax implications.
Standard policies typically cover death from illnesses and accidents but may exclude certain circumstances like dangerous sports or activities. You will need to disclose any such activity when you make your application for the cover.
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