Many people invest in life cover to give them peace of mind that their family will be provided for financially in the event of their death.
Life cover pays a tax free lump sum payment to help pay any bills, repay debts and ensure that the family maintains their standard of living in the absence of you and your income.
I will review your personal circumstances and calculate the level of cover you require to adequately assist your family in the event of your death. I will then ensure this is within your set budget and written using suitable Trusts to ensure any claim is paid out quickly and to the right people.
I can recommend products from a range of providers, all of which are market leading in this field and offer a first class service.
If you’re unable to work through serious long-term illness, you may not have enough money available to cover your mortgage, bills and other essential day-to-day costs.
Critical Illness Cover aims to ease financial pressure by paying you a one-off, tax free lump sum on diagnosis of certain critical illnesses.
I will review your personal circumstances and calculate the level of cover you require to adequately assist you and your family in the event of you suffering a critical illness.
I use a range of providers whom I consider to offer the very best critical illness policies and service. This is vital as the last thing you want on diagnosis is to find out that your provider doesn't cover that particular condition. It is therefore vital to use a well respected company with a wide list of conditions covered as well as one with a good claim record.
What would you do if you couldn’t work due to an illness or injury? If this led to you losing your income, how would you afford to pay for all the living costs which won't go away? The government assistance is very unlikely to cover all these costs.
None of us like to think the worst, but without your earnings could you still maintain your current lifestyle? Or would things get tough financially for you and your family?
An Income Protection policy pays a tax free income if you are unable to work due to accident or illness. If you think of your income over your whole career it is very likely to be your biggest asset by far and therefore makes sense to insure against its loss.
There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income.
For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk
Protecting your home and contents is clearly vital and in the case of Building Insurance a legal requirement of the mortgage.
It can be very confusing exactly what cover is required with the huge number of options available and the difference from one provider to another.
I can help guide you through the various options and put a solution together for you within budget and tailored to your own individual needs.