Personal Insurance

Select a service to learn more about what we offer.

Life Cover

The most basic type of life insurance is called term assurance. With term insurance you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, such policy can pay to your beneficiaries lump sum amount or can pay regularly on a monthly or annual basis. If you don't die during the term, the policy doesn't pay out and the premiums you've paid are not returned to you. Other type of life insurance is a whole of life cover which are on going policies that pays out whenever the insured dies.

Level Term Life cover

A level-term policy pays out a lump sum if you die within the specified term. The amount you're covered for remains level throughout the term. The monthly or annual premiums you pay usually stay the same, too.

Level-term plan is a very good option for family protection, where you want to leave a lump sum that your family can invest to live on in the event of death. This type of plan is also selected when you need a specified amount of cover for a certain length of time, e.g. to cover an interest-only mortgage.

Decreasing Term Life cover

With a decreasing-term policy, the amount you're covered for decreases over the term of the policy. These policies are often used to cover a debt that reduces over time, such as a repayment mortgages.

Premiums are usually significantly cheaper than those for level-term life cover as the amount insured reduces over the period of the term. Some decreasing-term insurance policies can also be used for inheritance tax planning purposes.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Family Income Benefit

Family income benefit life insurance is a type of decreasing term policy. In the event of death, it pays out a regular income to your beneficiaries till the policy expires.

The upside of family income benefit is that it's easier to work out how much you need. For example, if you take home £2,000 a month, you can arrange for the same amount to be paid out to your family till the end of the selected plan term.

Critical Illness

Critical illness insurance is designed to help protect against the financial impact a serious illness could have on you or your family. Such illness could be cancer, stroke, heart attack, and others. Critical illness plan can pay a cash lump sum which could help to pay for treatment, allow you to stop working to recuperate, or even make changes to your home, for example, to add a wheelchair ramp if needed.

Our adviser will help you select a cover that provides a critical illness insurance that meets your needs and, potentially, allows you to add cover for your children as well.

Unlike life insurance, which only pays out if you die, critical illness cover pays out if you are diagnosed with one of the insurer's specified critical illnesses during the policy term.

Income Protection

Income protection insurance is designed to support you financially if you have time off work and suffer a loss of earnings due to injury or illness. The plans are created to support you if you become ill with stress or depression, you develop a physical illness, or you have a serious accident or disability.

Income protection insurance is not the same as critical illness insurance, which pays out a one-off lump sum if you have a specific serious illness. Income protection is also not the same as private medical insurance, which pays your private hospital fees.

It will pay you a percentage of your earnings until you are able to return back to work or until you retire.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

THE FCA DOES NOT REGULATE WILL WRITING, TRUST, ESTATE AGENTS, COMMERCIAL MORTGAGES, BUSINESS FINANCE, SOLICITORS, SURVEYORS, ACCOUNTANTS, AND DOES NOT REGULATE SOME FORMS OF BUY TO LET MORTGAGES, BRIDGING LOANS, INHERITANCE TAX/TAX PLANNING, AUCTION FINANCE.
FOR WILL WRITING, TRUST, ESTATE AGENTS, COMMERCIAL MORTGAGES, BUSINESS FINANCE, SOLICITORS, SURVEYORS, ACCOUNTANTS, INHERITANCE TAX/TAX PLANNING, AUCTION FINANCE, SECURED LOAN/SECOND CHARGE, WE ACT AS INTRODUCERS ONLY.