We all need to be protected
                                       for peace of mind

                We all need to be protected
                                       for peace of mind

Income Protection

We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen.

We offer the following types of protection:

Life Cover

This comes in two forms: Level Term Assurance and Decreasing Term Assurance. (Level Term Assurance will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount, and pay out the current amount when a claim is made.)

Critical Illness Cover 

To cover you and your family against the financial impact of a critical illness and loss of income through sickness. This cover pays out a lump sum should you be diagnosed with a serious illness. Illnesses covered vary depending on the provider and type of policy.


Income Protection Insurance

Also known as permanent health insurance aims to give you an income if you cant work in the event of sickness or illness. The amount of cover can be anything up to three-quarters of your normal wage, less any state benefits you recieve. For the self-employed insurers usually base the level of cover on your taxable income at the point of a claim. All pay-outs for income protection insurance are usually tax free and usually continue until you recover or reach your selected pension age/term of the policy. 


Mortgage Payment Protection Insurance

Also known as Accident, Sickness and Unemployment Insurance, covers your monthly mortgage payments and certain related costs for a specified period of time if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.


This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

The typical cost is £5.53 per £100 of monthly benefit. This is based on someone aged 35 and with a 30 day waiting period.