No-one knows what the future holds, so it is wise to put in place safeguards to offer financial protection just in case the worst should happen.
Income protection/cover for sickness pays out a monthly income if the person covered is either unable to work because of an illness or injury or is unable to carry out a number of everyday tasks and meets the provider’s definition of incapacitated.
We use our independent status to obtain competitive premiums for cover and also handle any claims which may occur.
Using our independent status, we research the market to provide the most competitive premium for individual life cover. This can provide funds on death to protect against loss of income, capital liabilities (e.g. mortgage) or tax liabilities such as Inheritance Tax.
Once implemented, we regularly review costs based on continuing needs and current market prices.
We can advise on a policy which pays out a tax-free lump sum if a specified critical illness is diagnosed. This will protect against loss of income and changed circumstances for you and your family. Our independent status allows us to find the best prices and policy features to ensure a wide range of conditions are covered.
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