Taking out suitable insurance is arguably one of the most important financial decisions you will make in your life. We can help you understand the level of protection you will need to protect your assets, your family and your standard of living, in the event of illness, loss of income or death.
Critical Illness Insurance is a policy that specifically covers you in the event of a life threatening illness. If you are diagnosed with a critical illness within the definitions list of the policy (such as cancer or heart attack), then you are paid a tax-free lump sum. The aim is to make your life easier, whilst coping with a debilitating illness...
Life insurance is a vital element of planning for the future. Life insurance is in place to protect people who are financially dependent on you after your death, for example a partner or children. It is vital that the policy be structured correctly by a specialist, in line with yours and your family’s needs...
Income Protection Insurance is a policy that pays out if you are unable to do your job due to an illness or injury. Unlike Critical Illness, it is not definitions based, and generally provides a percentage of your monthly income until you are able do your job again, or until you retire...
Private Medical Insurance is a policy that covers the cost of private medical treatment for illnesses that are short-term and acute as opposed to chronic. The policies typically do not cover pre-existing conditions ie. they only cover costs for illnesses diagnosed after the policy is taken out...
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