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For your family

Make sure your family is protected from unexpected events that might make it difficult to pay your mortgage and other bills. We can provide you with expert advice on relevant insurance policies, so that
you can make an informed choice.



“It will never happen to me”

Nearly everyone knows someone who has died leaving a young family or had an illness which has devastated their lives. It takes more than optimism to protect your family from financial hardship.

Every six minutes someone dies of a heart attack in the UK. One in three people who have a heart attack die before reaching hospital.*

* Data - British Heart Council & the Stroke Association 2006

Life Insurance
Life insurance rates have reduced in recent years and there is no reason why anyone with dependants should not have some level of cover. However by combining life insurance with other protection policies you can have real peace of mind.

Critical Illness Cover
There are many insurance companies and they offer different levels of Critical Illness cover. So you get what you pay for, it is therefore essential to get quality advice when choosing the policy which is right for you.

Income Protection
There are illnesses that are not covered, however you still might not be well enough to go to work. So it is important to have a way of replacing some of your income, regardless of your illness.

Accident and sickness insurance
For short term cover, in the event of an accident or an illness, there are potentially lower cost options available which will ensure your mortgage is paid. We can compare the market to get you the best deal.

Accident, Sickness & Unemployment insurance typically costs £4.10 a month for every £100 of monthly benefit. This is based on a 39-year-old customer choosing £1,000 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.

The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances. There are other providers of Short-term Income Protection and other products designed to protect you against loss of income.

For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

As with all insurance policies, conditions
and exclusions will apply.


Unemployment Benefit
In a time of uncertain uemployment, having a policy which provides you with an income while you look for alternative employment is essential.

Ask us to provide a competitive quote.

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