If you couldn’t work for a year, what would pay the bills?
Income protection, life cover and critical illness cover, chosen from across the market.
Book a discovery meetingNobody enjoys this bit, so I’ll keep it short.
Every plan I build assumes you carry on earning. Protection is what keeps the plan going if you can’t.
What I do
Income protection
Pays you a regular income if illness or injury stops you working for a long stretch. If you’re paid on commission or you own the business, it’s often the first one I look at.
Critical illness cover
Pays a lump sum if you’re diagnosed with one of the serious conditions listed in the policy. It can be set up to clear the mortgage, or to give you money to live on while you get better.
Life cover
Pays a lump sum if you die while the policy is running. Most people use it to clear the mortgage, so the family keeps the house.
Family income benefit
Pays your family a monthly income if you die, in place of one lump sum. It suits a household that runs on your earnings month to month.
Life cover for what you leave behind
Life cover can also be part of planning what you pass on, including money set aside towards an inheritance tax bill.
Private medical insurance
Covers the cost of private treatment, so you have more choice about when and where you’re seen.
Cover for your business
Protection between shareholders, and on the people the business can’t easily do without.
Other insurance
I can also arrange accident, sickness and unemployment cover, and home insurance.
How I choose
I look across the whole market and recommend the policy that fits you. Whether a policy pays out depends on its terms and on what you tell the insurer when you apply, so I’ll go through the application with you.
What it costs
I don’t charge you a separate fee for arranging protection. The insurer pays me commission, and you’ll see the amount in writing before you go ahead.
See how it worksThings people say to me
“I’ve got death in service at work.”
That’s useful, and it usually ends when you leave. It’s often based on your basic salary too, so check whether your commission counts.
“I’m young and healthy.”
That’s when cover tends to cost least.
“It won’t happen to me.”
I hope it doesn’t. It’s still worth knowing what would pay the mortgage if it did.
The small print that matters
Cover stops if you stop paying the premiums. These policies have no cash in value, and each one has exclusions, which I’ll go through with you before you apply.
Fancy getting this one off your list?
Or ring me on 07392 686868.