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Protection options
Critical
Illness
Critical illness policies pay out a cash sum if you
suffer from a serious illness, like a heart attack, stroke or cancer. The aim is
that the payout should ease any financial worries that you might face. Ideally
the policy would at least cover the mortgage, however even a much smaller and
more affordable amount can still provide great assistance, for instance
providing cash for a period off work or for private medical costs.
Income
Replacement
Should you lose your ability to work you would still
require an income in order to meet your regular living expenses. Income
replacement cover providessuch a regular monthly income if you are unable to
work. The benefits would normally continue until you return to work or reach
your retirement age.
Do you already have
cover?
If you already have life cover in place, we may be able to
save you money or give you more cover than you presently have - for the same
price.
The cost of life cover has dropped in recent years, so it is
always worth asking us to do a free no obligation review of your cover. We will
conduct a thorough search of the market, then recommend the best way of meeting
your protection needs.
A mortgage is one of the biggest financial commitments and so it makes good sense to protect it, and indeed your other family needs, to ensure payments can be maintained should anything happen to you.
There are 3 main types of protection policies. Each of these is
specifically designed to protect different eventualities. They can be summarised
as the following:
LifeThe purpose of any policy that pays out upon death is to ensure that surviving dependants receive a sufficient cash sum to enable them to maintain an adequate standard of living.