Life assurance can ensure that in the event of your untimely death, your family receive a lump sum to clear a loan or mortgage and/or provide a regular income to help meet their regular commitments. Ensuing that these things are protected in the event of a
critical illness like a heart attack, cancer or stroke is important. We will ensure any plans are placed into the relevant trust to ensure that proceeds are received by your beneficiaries as quickly as possible and outside of your estate.
A mortgage can be one of the biggest financial commitments you take on and making sure this is repaid in the event of your untimely death and/or critical illness could be the difference between you and your beneficiaries keeping your home or being forced to sell it.
Income protection provides a regular income if you are unable to work due to an accident or illness. These payments can be for a set period, until you return to work or reach retirement age. Our Protection Specialists will ensure the correct policy is researched for you
and that it fits with any sick pay arrangements your employer may offer or any state benefits you are eligible for.
With such an unpredictable economic outlook, it's vital that businesses consider protecting themselves against unexpected events. There are different types of business protection to match your need, whether that is protecting shareholders, key individuals or business debts. We can assist you in assessing and managing business risk.