We Provide Personal and Business Protection Advice
We understand your circumstances before tapping into our network to find you the most suitable protection plan.
Life Protection
A life protection policy will enable piece of mind by financially protecting your loved one's future.
There are different types of covers such as level cover, decreasing cover and increasing cover. Insurance can be used to provide financial security during times of uncertainty. For example, the money could pay off your mortgage or replace a lost income.
Critical Illness Cover
Our critical illness protection providers pay out a lump sum in case you are diagnosed with a serious illness or injury.
You can use the money released to repay debts (such as a mortgage) or take time away from work while recovering from illness. It is possible that you will not have to pay the money back if you make a full recovery.
Critical illness plans can be tailored to any budget and our qualified advisers can help you to choose the right amount of cover.
Income Protection
An income protection policy provides you with a regular income source in case you were unable to work during any sickness or injury.
Our experienced team can help you choose the right amount of cover required. You can choose to continue to receive the monthly till you plan to retire. Payments will be made till you can return to work or until the policy ends.
Private Medical Insurance
Private medical insurance covers the costs of private healthcare, from diagnosis to treatment.
This could take the form of a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun. You may take out health insurance as it gives you quick access to medical treatment.
Key-person Life and Income Protection
Key Person Insurance can help a business protect its most important employees; someone who is instrumental to the financial success of the company.
This type of policy ensures the business can cover any financial losses as a result of losing an employee, including loss of profit or recruitment costs.
Relevant Life Protection
Relevant Life Insurance is a cost-effective way for businesses to provide death-in-service benefits for its employees. It’s a helpful way to attract and retain the right staff, as well as showing how much you value your employees and their financial security.
Executive Income Protection
Businesses can help protect not just an employees salary, but can also cover dividends and P11D benefits which form part of their overall remuneration. Additional cover can be arranged to cover employee costs such as employers National Insurance and employer pension contributions.
Shareholder Protection
Shareholder Protection is an effective way of making sure there is a succession plan in place for the business. This type of insurance can ensure that when a shareholder passes away, their shares remain in the business, while the family receives the financial support they need.
Business Loan Protection
This type of Business Life Insurance can ensure you have the right protection in place to repay any outstanding debts, should something happen to the owner or director. It can provide crucial financial help during a difficult time, making sure the business can pay back any loans.