Menu
Personal protection is taken for a variety of reasons such as protecting your income, home and family. There are several different variations that you can take depending on your priorities and budget. It’s vital to keep these policies up to date especially if there’s any changes in circumstances such as new jobs, houses or additions to the family!
This policy is taken to ensure that your family has a roof over their heads in the worst circumstances, death. It pays out a lump sum payment to your loved ones/beneficiaries and ensures that they’re not dealing with grief and where their next month’s mortgage payment is coming from.
Also known as Life or Earlier Critical Illness or even Serious Illness Cover. This type of policy is designed to pay out a lump sum should you be diagnosed with a critical illness or disability. With statistics being 1 in 2 of us will be effect by cancer in our lifetime, it’s vital to think of what would happen if it happened to you.
Not only does this cover protect you, but with some providers you can automatically cover your children as well and others will a small fee. This means you could receive a lump sum of money to cover you if you’re unable to work due to your child being ill.
It’s the backbone of all our advice, as it protects your income. You wouldn’t be in the house today (either mortgaged or rented) without your income so it’s vital that should anything happy to you there’s a fall back.
It will pay a monthly tax free sum after a chosen deferred period and can payout for the entire policy term; the best bit is there’s no definitions. If you’re off work due to an accident or illness, the policy will pay out.
Family income benefit is like income protection if you die. It will provide an income every month which will help ensure that your partner/family can afford to give your children the upbringing you’d want for them without struggling.
Our team will discuss your individual circumstances, and the most suitable next steps
We can call you back for a brief discussion – no problem
Speak to a friendly, expert adviser about your unique insurance needs. We’ll search products for the most suitable policy. Your adviser will complete your application, liaise with the lender and you, keep you informed until completion.
