Family & Business Protection

There are a number of different types of protection contracts available on the market. Knowing what type of cover is suitable for you can sometimes be confusing.

Ensuring you and your family are protected in the event of a tragedy is vital. You will benefit from the peace of mind knowing that you have done your best to secure your family’s financial future.

Our goal is to ensure that you and your family do not run out of money in the event of a catastrophe.

We can advise on all areas of protection, the three main types are:–

Life Cover

Life Cover is the first fundamental protection contract that you should consider if you have a mortgage, loans, credit card debts or a family who depend on your income and would be financially disadvantaged in the event of your premature death.

Critical Illness cover

You should consider critical illness cover if you have a mortgage, loans, credit card debts or a family who depend on your income and would be financially disadvantaged in the event you are diagnosed with a critical illness.

We recommend you review all of your protection contracts if your circumstances change, such as increased mortgage for home improvements, new car or an addition to your family. Similarly, your children may have left home and you may no longer need the same level of cover that you currently have or you may no longer need cover at all.

Income Protection

Income Protection Cover is a contract especially for the self employed with no ill heath income sickness benefits, or employees with limited sickness income benefits.

For most people unless you are approaching retirement, you and your family are likely to be reliant on your earned income to maintain your standard of living.

How much do I need?

We can help calculate the right amount of cover for you and your family’s needs.

The cost of cover can vary depending on the amount you require. We can calculate how much you need, but our primary focus is to tailor your policy based on the amount of cover, or how much you feel comfortable spending. Your age and health are also important factors to take into account. We will recommend the most suitable type of policy and provider for your needs. Having adequate cover in place will provide you with peace of mind knowing your family will be provided for.

Please don’t leave it until it’s too late or your health declines making it difficult to obtain cover.

Business Protection

Having adequate business protection in place is important to ensure that your business can continue to run in the event that you or an employee cannot work due to ill health or death. We can advise on a range of contracts.

Key Person Cover

This offers a safety net if a key person in the company dies or is diagnosed with a serious illness (with Critical Illness Cover).

It gives the business breathing space by paying the claim directly to the company or partners. This can help the business trade as normally as possible.