Our Services
Services we offer are
Level Term
Level term assurance, is a plan that pays out on the event of a death during the term of the plan. Plan lengths can range from 5 years to around 50 years dependent on insurance company. This plan is Medically underwritten so it will require you to answer a health and lifestyle questionnaire.
Critical illness
Critical illness covers you for what it says. If you are diagnosed with a critical illness, you will receive a pay-out such as heart attack, cancer, stroke plus many more. These policies always have an end date, normally reaching maximum age of 70. Each provider has its own criteria, and your designated broker will give you the options for you to decide what is best for you based on your circumstances. Like level term assurance critical illness cover is offered to you on a basis of a health and lifestyle questionnaire which can alter the plan or reject you.
Income Protection
Income protection covers up to 70% of your personal income wether you are salary employed or self-employed. This pays you out if you are unable to work for accident or sickness. This will allow you the peace of mind of knowing you can cover all your essential bills if you cannot work for whatever reason. Like level term and Critical illness cover this is medically underwritten therefore you will have to conduct a health and lifestyle questionnaire.
Mortgage Protection
A Mortgage protection plan, is a cover that pays out in the event of a death of a loved one. The thing that makes a Mortgage protection plan unique is that the insurance companies offer an upfront discount in return for your sum assured(amount covered for) decreasing in value over the term of the plan. This is a great solution for a repayment mortgage, As it makes the insurance more cost effective while covering just the value owed.
Multi Protect
Multi protect covers you whilst you are alive for accidents such as broken bones (major and minor), blindness, loss of hands or feet, deafness plus many more. It also covers you for UK hospital stays over 24 hours. Unlike the traditional types of insurance, our multi protect plan is None medically underwritten. This essentially means that we can cover anyone between the ages of 18-65 with any impairments. This cover can not only cover yourself, but it can also cover all your children from as little as £1 per unit.
Over 50’s
Over 50’s plans were created so that we had adequate cover for people with medical impairments over the age of 50. As we get older not only is it more common to have problems with us medically, but it becomes more of an importance to have some level of protection for funeral expenses and leaving a legacy for our children. Over 50’s are none medically underwritten plans so no health and lifestyle questions and are typically whole of life plans so they will cover you for ever.