If you’ve ever wondered how your loved ones would cope in the event of your death, then you’ve come to the right place. We can advise you on a range of protection and insurance products offering peace of mind that your family’s future is financially secure. Should something unexpected happen to you, a tax-free lump sum will be paid to your dependents, relieving them of the financial burden often associated with the passing of a close relative.
We’ll help you choose the right insurance policy by working out how much money you will need to protect those closest to you. We’ll explain the different types of policy available and discuss your individual circumstances so that we can seek out the best policy for you.
We understand that considering your mortality and what that means for your dependents can be a delicate matter that needs to be dealt with sensitively. As such, we will always be on hand to speak to you to and address any questions or concerns you may have. We will explain each step of the process and ensure you have a full understanding of the small print relating to your policy.
We understand that considering your mortality and what that means for your dependents can be a delicate matter that needs to be dealt with sensitively. As such, we will always be on hand to speak to you to and address any questions or concerns you may have. We will explain each step of the process and ensure you have a full understanding of the small print relating to your policy.
A tax-free, monthly income for your dependents in the event of your death.
A guaranteed payout when you die.
Pays a lump sump to clear your outstanding balance on your mortgage
The amount of cover you insure yourself for will stay fixed throughout the term of the policy.
These policies are used to cover a debt that decreases over time such as a repayment mortgage.
The amount of cover you should take out will depend on your situation, for example the size of your debt and outgoing expenses, as well the size of your family.
When you talk to us we’ll undertake a thorough review of your situation and make recommendations to help you reach the right decision so you get the right cover for your needs.
Many of our customers choose policies where the premiums are fixed and that means your price will never change so you know exactly where you stand.
However, we can tailor your plan exactly as your needs require and some of our clients prefer increasing cover. These type of premiums don’t suit everyone because you are given the option to increase your cover and monthly premium every year.
We’ll explain our recommendations and discuss all the options to make sure that we get you the right policy and type of premium for your needs.
Existing medical conditions can have an impact on your price and which insurer we recommend. We deal with some of the UK’s largest insurance companies and will find the company who is best suited to your needs.
It is important that you are honest and you give us all the right information about your medical history so we can find you the best possible cover for your circumstances.
No examination is normally required but this is always dependent on your individual needs.
If your medical history is complicated and you have health problems some insurers may want more information which can be obtained without the need of a medical.
But don’t worry, our experienced advisors will discuss your options with you in the strictest confidence and your doctor can not be contacted by any insurer without your permission.
It is always good to review your policy, especially if your circumstances have changed. Our advisers will help you look at your current situation and make sure your policy still does what you need it to do.
We may be able to find you a better deal and if you do decide to switch we can help you cancel your existing policy at the right time, so your cover doesn’t lapse and your loved ones remain protected.
Life insurance pay outs are exempt from income and capital gains tax, but are subject to inheritance tax.
Our advisers will help you put the policy into trust which can help mitigate inheritance tax and make sure the money is given to the right people at the right time.
We can arrange cover for people up to age 90 years of age.
Although the cost of cover generally rises as you get older, we’ll find you the right deal.