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 providers 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.
Advising individuals on a policy which pays out a tax free lump sum on the diagnosis of a specified critical illness. This will protect loss of income and facilitate changed circumstances for individuals and family against diagnosis of such illness. Our independent status allows us to not only analyse cost but also the policy features to ensure a wide range of conditions are covered.