Insurance advice - Life cover and critical illness
It is estimated that 40% of adults have no life cover or critical illness cover
We will all happily insure our cars and houses but all to many people neglect to adequately insure themselves against death or serious illness. Setting up appropriate life cover to provide for your family in the event of death need not be expensive and as an independant financial advisor we can search and select the best policy for you.
As an Independent Financial Adviser we can offer a comprehensive review of your insurance needs. We can then search, on your behalf, for the most appropriate policy.
The main types of insurance policy we can provide advice with are:
- Life assurance and life cover policies
- Critical Illness policies
- Keyman and business policies
- Income protection policies
- Mortgage Payment Protection and Redundancy policies
Whilst cost is an important factor when selecting a life cover policy there are other factors to consider. How the policy is set up is just as important. Policies written under trust or on a life of another basis can simplify the payout on death and avoid a lengthy wait for the money. All of these aspects are included within our service.
Many people will have life policies to protect their mortgages, typically these will be simple term assurance or mortgage protection plans which are perfectly suited for the purpose. If you have changed your mortgage since starting the policy or have had your policy for sometime then perhaps it needs reviewing. Whilst the cost of life cover rises as we all get older, the life cover market is a competitive place and we can frequently save clients money each month by replacing their current policies.
PERSONAL INSURANCE ~ MORTGAGE INSURANCE ~ BUSINESS INSURANCE
Please contact us if you would like us to discuss your insurance needs.