PROTECTION
We give a straightforward service supported by dedicated and robust underwriting. We’re always on hand to answer any questions you may have.We can assist you with various types of insurance from Mortgage Life Insurance to protect your mortgage to Private Medical Insurance.
Term Assurance – Comprehensive life insurance, with or without a critical illness option
Mortgage Life Insurance – Flexible mortgage protection, with or without a critical illness option.
Critical Illness Cover – An option that provides financial protection for your client and their family if they suffer a serious illness.
Guaranteed Whole of Life – Financial protection for your client’s loved ones.
Income Protection – Protection against loss of earnings should your client suffer an accident or illness.
GEM Relevant Life Plan – If you’re a company director and you have life insurance in place to protect your family, you could be paying more tax than you need to. A Relevant Life Plan is a tax efficient single life Death in Service benefit for employees or directors of a business. The policy proceeds are paid to the Trustees (employer) and the benefit is written under Trust for the life assureds beneficiaries.
Business Protection Partnership Protection – What happens if a Partner in your business dies? Not only do you lose their experience and expertise but what happens to their share of the business.
– Can you afford to buy their share of the business without having to take out a loan or asset selling?
– Their share of the business might pass to someone who has no knowledge or interest in your business, normally the spouse or the deceased business owner. That person might be in position to sell the company above your head.
Keyman Cover – A Key person is insured for life or critical illness.
In the event of a claim, the proceeds are paid directly to the company. We can also offer Keyman Income Protection (Keyman permanent health insurance). This money could be used in several ways, for example:
– recruiting or training a replacement,
– to repay a business loan,
– compensation for lost sales.
For more information or to book an appointment to discuss your requirements please click here
