Insurance

This type of plan is designed for those who want to leave a lump sum in the event of their death within a time period. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependants.

It can be used to cover your mortgage, other loans or to ensure that your family is protected from the effects of having to repay a debt after the main earner has passed away. As financial advisers we will always help you find the plan that best meets your requirements.

This type of plan is designed for those individuals who want a lump sum if they are diagnosed with a serious illness. For example, the money could be used to repay the mortgage or pay for specific medical treatment overseas. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. As financial advisers we will take into account policy coverage, circumstances and budget to find you the most suitable plan.

Commonly referred to as ‘home insurance’ or ‘building and contents cover’; this is an insurance policy which usually covers against fire, flood and theft, but many policies now include accidental damage too. The level of cover you get reflects the monthly payment you make.

Many people experience claims on this type of policy, as it is common for theft and accidental damage in the UK. It is always a good idea to think about how you are protecting your home and your belongings. With products and rates continuously changing, it is an ideal time to review your home insurance options.

Whilst we’ll always aim to get you the best price, cheapest is not always best; we will make sure you get cover that gives you the right level of protection for your peace of mind.

Private Medical Insurance, also known as Health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to medical treatment.

You will pay a monthly fee which covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun. Some providers have the option for you to add on Travel insurance, dental and optical cover and cover for therapies. The level of cover you get will depend on the policy you take out.

Private medical insurance does not cover the cost of chronic or pre-existing conditions you may have prior to taking out the insurance.

An income protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

This type of plan is quite often seen as a high priority as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.