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Protection
Thinking about the consequences should anything happen to you or your family isn’t something any of us want to contemplate. However, it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.
Protection products are insurance policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, or in the event of your death. With her expertise in this area, Sally can recommend the most suitable and cost-effective options for you and your family.
Life Insurance
Life insurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose.
Life insurance can be used to cover a mortgage, other loans or to ensure that your family can afford any other future financial commitments for years to come (university fees, childcare).
Critical Illness Cover
Almost everyone knows someone who has been affected by a life-changing condition such as cancer, stroke, heart disease or a serious accident. While you might not want to imagine this happening to you or those you care about, it’s more common than you think.
Critical Illness cover is a type of insurance policy where you pay a regular monthly premium, in return for being covered for a lump sum of money. In the event that you are diagnosed with a critical illness, the policy will pay a one-off payment to help you protect your family, home and lifestyle when you most need it.
Income Protection
Income Protection is a type of insurance which helps replace some of the income you’d lose if you couldn’t work because of an accident or illness. We naturally ensure all those things important to us, such as our home, the car and possibly even the dog. So it makes sense to protect the thing that pays for it all…you and your income.
Home insurance
Your home is more than just bricks and mortar. It’s the result of years of hard work; it’s a place where memories are created, and a home for valued and treasured possessions. It important to protect this against loss or damage.
Buildings insurance will cover the cost of repairing or rebuilding your home from damage (caused by a flood or fire, for example).
Contents insurance will cover the cost of repairing or replacing your possessions if they are stolen or damaged by something covered in your policy.