Protection Services
Life is surprising. Unfortunately, some revelations are more welcome than others. During emotional and tough times, financial worries can simply escalate the challenges facing you and your family.
With a bit of forward planning and the right protection products on your side, some peace of mind can be restored, leaving you to focus on what’s really important.
The type of cover you will need will depend on your individual circumstances. We will work with you to establish the level of cover that is right for you to ensure that you and your family are protected.
Current family circumstances or a change in job could influence how much protection you need. To keep your life on track, whatever the knocks, contact us today.
Life Insurance
Decreasing term life insurance is designed to cover you for a set term and pays out a lump sum if you die during the policy term. The amount of cover decreases over the term of the policy and is usually designed to tie in with the outstanding amount on your repayment mortgage.
Critical Illness
This is designed to give you a lump sum payment in the event of you contracting a specified critical illness which could be used to help your living costs and mortgage repayments or used to pay for treatment or care.
Family Income Benefit
This is a type of life insurance that pays the benefit in the event of death, as an income rather than a lump sum. This is designed to provide your family with a monthly income in the event of your death during the policy term.
Income Protection Benefit
This is designed to pay a monthly benefit if you are unable to work due to incapacity caused by illness or injury, resulting in a loss of earnings.
Your property may be repossessed if you do not keep up repayments on your mortgage.
For mortgage advice you can choose how we are paid: pay a fee, usually 0.4% of the loan amount or we can accept commission from the lender.
Registered address – Heritage House, 9b Hoghton Street, Southport Merseyside PR9 0TE.
Country of registration – England | Registration number – 04249019