insurance

Life is beautiful while the going is good. But one can never know what lies around the corner! 

Having suitable protection in place can alleviate the financial impact of any surprises that life may throw.

Taking out a mortgage is a long financial commitment. Life Insurance can help ease your worries that your loved ones will be taken care of and may not have to deal with the financial strain that could arise from you no longer being around. They could receive a lump sum up if you die or are diagnosed with a terminal illness.

We will help you find the most suitable cover for your circumstance and also help you place it in Trust should you choose to.

For company directors and self employed. Relevant life insurance offers the same benefits as a standard personal life insurance policy except that it is paid for by your company and the premiums paid are usually eligible for corporation tax relief.

Although the premiums are paid for by the company it is important to note that any benefit is ultimately paid to the family of the employee (via a relevant life trust) rather than to the company. A Relevant Life Plan allows employers to give death-in-service benefits to their employees outside of a registered group life scheme. Our Relevant Life Plan is available as a stand-alone, single life plan. Premiums can be treated as an allowable expense for the employer in calculating their tax liability, as long as they qualify under the ‘wholly and exclusively’ rules.

Sometimes even the healthiest people are diagnosed with illnesses they have little chance of preventing – like cancer, stroke or such type. Critical Illness benefits are paid regardless of the life insured’s ability to work. The funds can be used for any purpose the Policy Owner chooses- reduction of debt, seek specialist or alternative medical treatment or make lifestyle changes. Critical Illness cover  pays a lump sum benefit if the life insured suffers one of the defined Critical Illness events.

Keep your life on track if you are unable to work due to sickness or injury. Income Protection is designed to help you get back on your feet, covering your monthly income if you’re unable work due to sickness or injury. You will receive a monthly benefit into your bank account so you will be able to stay on top of bills and maintain your lifestyle while focusing on your recovery

Private medical insurance is designed to cover the costs of private treatment should you ever need medical help. It takes the worry out of NHS waiting lists and treatment costs and allows you to receive top quality health care as quickly as possible. Whether you’re looking for a basic or higher level of health cover, we can help you find a private health insurance product to cater for your lifestyle and budget.

Covers loss of and damage to your home, garage, shed and their contents, caused by fire, break-ins and weather events. If you’re a landlord renting out a residential property, make sure your building is well covered. Option to cover your furnishings too. This insurance policy will cover claims due to damages in your property produced by weather, escape of water, fire, theft, accidental damage,…