Life Insurance

Ensure you have the right cover to make tough times easier.

·         Professional, empathetic approach

·         Variety of providers available for your medical history

·         Tailor fit, no obligation advice

Although it can be an emotional topic, it’s crucial to consider what would happen to your family if you were no longer able to support them. Planning ahead and ensuring your loved ones will be taken care of and able to stay in their home can bring you peace of mind.

We’ll work with you to understand your needs and build a package tailored to your situation, so no matter what life throws at you, you know you will be covered.

Call 01225 280 900 today to discuss for a free lifestyle review.

What is life insurance and is this best fit for me?

Life insurance cover is a plan designed to protect your family and loved ones, if the unthinkable was to happen. This can be taken in tandem with a mortgage to ensure the debt would be cleared, or as a tax free lump sum or ongoing income to support your family for a number of years.

Life insurance is designed to cover the event of your death, though pay-outs can be accelerated on diagnosis of a terminal illness during the term of your policy. This is dependant on the insurer which can be a massive help at an incredibly stressful time.

It’s suitable for you if you have:

  • Financial dependants, such as school age children
  • A partner who relies on your income, or
  • If you have a mortgage and live with your family, a life insurance policy can financially support them in the event of your death

You should always check to see if you have life cover through your work benefits, packages often include ‘death in service benefits’ that will provide an amount of cover that’s linked to your salary.

Depending on how much it’s worth, you might not need an extra life insurance policy. But remember that if you stop working for that employer, you’ll no longer be covered under their policy.

 

Everyone’s needs are different, talk to our protection team to find out more.