INCOME PROTECTION
Income protection insurance is designed to pay out a regular cash payment to replace part of your lost income if you can’t work due to a medium or long-term illness, injury or disability.
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It can often also be called permanent health insurance but it is not the same as private health insurance.
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Income protection insurance does not cover redundancy. To have income protection insurance cover you generally have to be in full-time paid work or be self-employed.
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Not all classes of employment are suitable for Income Protection cover; some occupations may be excluded if deemed hazardous by Insurers.
Give us a call and we can discuss your options.
LIFE INSURANCE
Nobody wants to think the worst, but if something were to happen to you, how would your family cope financially without you?
A life insurance plan can help protect your family so they can secure their futures and pay bills for everyday costs, if you were to die.
Life Insurance pays a lump sum that can help your family if the worst were to happen.
Give your loved ones peace of mind by starting a plan that could help them become more financially secure if something were to happen to you
A lump sum could help your family keep their standard of living, even though they no longer have your income.
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PENSIONS AND INVESTMENTS
A pension or pension scheme is a long-term savings plan to help you build up a pension fund for when you retire.
Many pensions have better tax incentives compared to other types of savings. These incentives are to encourage you to start saving into a pension as early as possible for your retirement.
The earlier you start – the better the outcome!
To start your private pension journey, no matter what age you are – please call us!
MORTGAGE PROTECTION
Mortgage protection cover is an insurance policy that pays off your mortgage if you or another policyholder dies during the term of the mortgage.
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If you have a joint mortgage, both parties need mortgage protection insurance in place and it will be set to run for the same length of time as your mortgage. So, if you take out a mortgage over 25 years, your mortgage protection insurance must also be in place for 25 years.
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By law, your lender must ensure you have this cover in place when you take out a mortgage
To discuss your options and needs – please call us!