Protecting your family, partner, estate, business and assets is the top priority in any financial planning process. It breaks down into 3 key parts; Life Insurance Advice, Protecting your income and Critical Illness Cover.
Financial Protection Insurances
Life Insurance Advice
Finding the right insurer, type of policy, and personalised terms and conditions is not simply about cost.
Bread and Butter Advice take you through detailed questioning and to then advise you on exactly the right policy and conditions for you, like a fitted suit.
Don’t rely on comparison sites, it is too important.
Protecting your income
Long term income protection also known as permanent health insurance, should be a consideration for all individuals, families and businesses.
If you are unable to work for medical reasons, then an income is paid after a pre-set deferred period (1-12 months) on a monthly basis. This income is tax free, and can last until retirement age if the medical conditions don’t allow a return to work.
Income protection is a must for the self employed. For the employed, your employers may protect you for a limited defined period. This varies from employer to employer.
Critical Illness Cover
Critical illness cover pays out a lump sum in the event of a critical illness. The lump sum can be used to help the individual or business survive financially whilst recovery takes place. Lump sums give peace of mind to all concerned.
Beneficiaries often pay off debts and loans including mortgages. The money is used for speeding up the recovery, or providing specialist equipment if needed.
There is no restriction on how this money is spent.
The major 4 are heart attacks, strokes, most cancers, and multiple sclerosis. Insurers generally include upward of 20 conditions. These vary from insurer to insurer. Expert financial advice is a must.
There is a difference between the two. Our advisers will explain and recommend to fit your needs.
How do I arrange cover?
Just speak, free of charge, to one of our advisers, by either calling or complete the online enquiry form. They will then assess your individual and specific needs.