Protection For You And Your Family

Providing advice and guidance as you plan for the future and ensure you have the right protection in place for when it’s needed most.

Protection & Insurance

When it comes to planning for the future, an important consideration for anyone is to ensure the right protection policies are in place. This could be in the form of Life Cover, Critical Illness, Income Protection or Family Income. We will advise you and find the right, most appropriate, cost-effective solution tailored for you.

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Range Of Products

Protection & Insurance Products For

Critical Illness Cover

This type of cover can pay out a (tax-free) lump sum on the diagnosis of certain life-threatening or debilitating illnesses, or if you have to undergo certain types of surgery.

Income Protection

Income Protection Insurance is designed to pay you a regular tax-free monthly income if you become unable to work due to illness or injury.

Life Insurance Cover

Life Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die.

Personal Accident Insurance

Personal Accident Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident or injury

Your Questions Answered

What is income protection?

Income protection is an insurance policy that pays out a regular income if you are unable to work due to sickness or disability. It continues until you either return to paid work or retire.

Is accident & sickness cover the same as income protection?

Both policies will pay out if you are unable to work. Accident and sickness insurance offers a limited pay-out to cover things like mortgage or loan repayments for 12 -24 months maximum, whereas income protection pays around 65% of your pre-tax pay until you either return to work or retire.

Can I get life insurance with a pre-existing condition?

It is possible to get life insurance if you have a pre-existing medical condition, however, you may have to pay a higher premium because the provider might view you as having a higher risk of making a claim. In addition, they may request a medical and full access to your medical records.

How do any previous claims affect my application?

Insurers set their prices based on risk, so if you have previously made a claim, it’s possible that your premium will be higher than someone who has not claimed

Can I make changes to my policy once it has commenced?

Yes, you can make changes to your policy once it has commenced and this is something to discuss either with the insurer or your broker. Just remember that changes to your policy may affect your premium.

How long does a claim take to process?

The length of time to process depends on how quickly any medical evidence is received, however generally claims take around 4-6 weeks from start to finish.

Let's Chat

Our team of specialists are on hand Monday to Friday 9am - 5pm to answer any questions you may have.

01322 937 550

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