Advice to help protect yourself and your loved ones
Protection is the foundation of all Financial Planning
We believe that Protection is the foundation of all Financial Planning. We insure our pets, our boilers and even our mobile phones but often don’t protect ourselves, our families and probably our biggest asset our homes.
We work with a carefully selected Panel of Insurers that are some of the biggest and leading companies in the market. We know them well and understand how they work.
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Working with the following providers
Legal & General
We can help find suitable protection for you and your family:
Level Term Assurance (Life Insurance):
A level-term policy pays out a lump sum if you die within the specified term. The amount you’re covered for remains level throughout the term – hence the name. The monthly or annual premiums you pay usually stay the same, too. Level Term Assurance is typically taken out alongside an interest only mortgage.
Critical Illness Insurance
Otherwise known as critical illness cover, is an insurance policy in which the insurer will typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of the insurance policy.
Family Income Benefit
Family income benefit (FIB) is a type of life insurance. Policies run for a set period of time known as the term. If you die within this period, the policy pays out a regular tax-free* income until the end of the term. With traditional life insurance a lump sum is paid out on death.
*HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Cover is only for as long as the policy runs. Once the term ends, the cover and any income payments cease.
For example, if you have a 20 year policy and die 10 years into this, then the policy will pay out a regular income for the remaining 10 years. If you die 14 years into the policy, it will pay out for the remaining 6 years of the term.
Income Protection insurance can provide a regular income if someone is unable to work because of illness or injury. Typically, a policy pays out after they’ve been off work for 6 months (often called a deferred period) and can pay a percentage of their salary until either they return to work, reach State Pension Age, or if they die while claiming.
However, the policy holder can choose how long the absence lasts before payments start and the length of time they should be paid for. And if an employee is able to return to work, but on a reduced basis which means they earn less, it may continue to pay out a reduced amount that takes the drop in salary into account.
Decreasing Term Assurance (Life Insurance):
Provides a death benefit that decreases at a predetermined rate over the life of the policy. Premiums are usually constant throughout the contract, and reductions in policy payout typically occur monthly or annually. Decreasing Term Assurance is typically taken out alongside a repayment mortgage.
Whole of Life Insurance
Is a life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date. We can offer advice on Whole of life insurance up to a maximum pay out of £10,000 which is typically used to cover funeral expenses. Should you need to explore larger pay out Whole of Life Insurance we will happily refer to you to one of our trusted partners.
MultiProtect provides financial support for a range of specified accidental injuries and UK hospital stays.You can claim for multiple injuries and your policy will continue to protect you in the future.
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