Protecting your home and your income

Arranging a mortgage is the easy part. Making sure it still gets paid if you are too ill to work, or if the worst happens, is the part people put off.

Life insurance

Pays a lump sum or an income if you die during the policy term.

Critical illness cover

Pays a lump sum if you are diagnosed with one of the conditions listed in the policy.

Income protection

Replaces part of your income if illness or injury stops you working.

Family income benefit

Pays a regular monthly income to your family rather than a single lump sum.

Getting it right

Why it is worth doing properly

The cheapest policy is worthless if it does not pay

Definitions differ between insurers, particularly on critical illness. We compare the wording, not just the premium.

Declare everything

Being straightforward about your health and history at application is exactly what makes a claim straightforward later. Non-disclosure is the most common reason claims run into trouble.

Work cover is often not enough

Death in service is usually a fixed multiple of salary and stops when the job does. Statutory sick pay runs out sooner than most people expect.

Review it as life changes

A new baby, a bigger mortgage, a new job or a divorce all change what you need. Cover set up ten years ago may no longer fit.

Trusts

Writing a policy in trust

Putting a life policy in trust usually means the money reaches your family more quickly, because it does not have to wait for probate, and it can sit outside your estate for inheritance tax purposes.

It generally costs nothing to do at the outset and takes very little time. We will explain whether it is appropriate in your circumstances. Tax treatment depends on your individual situation and can change.

Important

Cover is subject to underwriting. A policy will not pay out if premiums are not maintained.

Sort the safety net

A short protection review is free and never pushy. We will only suggest cover that earns its place.

Book a callback Call 07973 705692