Protect the financial security of your family and loved ones in the event of your death.

Most people take good health for granted. But it’s a fact of life that accidents, illness and death can happen to anyone, at any age. If the unexpected occurs, the last thing your family wants to worry about is money. Life assurance is an affordable way of guaranteeing that a lump sum of money will be paid to your family in their hour of greatest need (premiums must be maintained to ensure cover remains in place).

With a range of options to choose from, our team of professional advisers will work closely with you to understand your personal circumstances and provide you with expert advice, ensuring you select the right life policy for your needs.

The suitability of protection products will depend on various factors. There are many different types of protection products and, through discussion to understand your individual needs, a financial adviser will identify what product or combination of products most suits you.

We will discuss our following key products and services with you and explain how they can benefit you and your loved ones:

Life assurance

This policy can safeguard your loved ones with either lump sum or monthly payments in the event of your death. Whether you are looking to pay off a mortgage or to secure a quality education for your children, we will work with you to find the right policy for your specific requirements.

Critical illness insurance

This policy is designed to pay out a pre-agreed lump sum if a critical illness is diagnosed. This will lighten the burden by providing funds for medical fees, rehabilitation, after care and lifestyle changes.

Income protection / Permanent health insurance

This policy is designed to replace a proportion of your salary in the event of serious illness or incident which leaves you unable to work. Benefits continue to be paid until you are able to return to work or until the ceasing age chosen in the policy. The regular payments will cover you and your family’s living expenses in combination with any state benefits you may be entitled to.

All three policies can be combined to create a complete protection plan, or taken in isolation to cover for the particular area of risk that is of concern to you. Our advisers will discuss these options with you so you are in the best position to make the right decision for you as well as your family.

Speak with one of our advisers about your lifestyle or medical concerns to find out whether they are likely to result in specific rates or exclusions being applied.

This can include items such as:
  • Regular participation in dangerous sports/hobbies i.e. private flying, motor sports, scuba diving, parachuting, climbing
  • High-risk occupations/travel to high risk areas i.e. oil and gas industries, armed forces, travel to war zones
  • Existing medical conditions i.e. high blood pressure, obesity
  • Poor medical history
  • Smokers

Disclosure is required during initial setup of your policy. Our advisers will be able to provide full assistance during this stage.

Standard Exclusions:
  • Deliberate exposure to fatal danger
  • Suicide
  • Participation in war
  • Drug and alcohol abuse

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

Should I declare the dangerous sports I play?

Most common sports and pastimes will be included in your cover. Anything out-of-the-ordinary should be discussed with your adviser, especially if these sports are played regularly.

I travel outside the UK regularly for work-will I be covered abroad?

Regular foreign travel is covered in our policies. As always, if you have anything specific like, for example, travel within war zones, make sure this is declared during one of your initial consultations.

I have family history of a medical condition, how will this affect my insurance?

Insurers have two ways of covering more likely events into your policy. The first is called ‘rating’, which simply means increasing your premium in relation to the added risk. This makes cover more expensive but provides you with full protection. The other is to add the specific risk as an ‘exclusion’. This keeps the cost to you as low as possible, but leaves you without protection for the specific risk. Our adviser will be able to provide you with more information on all the options available to you.

What will my family need to do in the event of my death?

In the event of your death, we will undertake all the necessary actions on behalf of your family such as collating all information, completing claim forms, speaking with the insurers and providing regular updates. Our expert advisers will work with your family to quickly and sensitively provide the necessary support, advice and action.

In a time of tragedy, the last thing anyone wants is to have to worry about their financial affairs. Our goal is to take these concerns away from your beneficiaries. Our experienced advisers will be on hand, proactively managing your claim and offering caring and compassionate advice and guidance. We will be able to support with making a claim; filling out forms; liaising with the insurers and with financial guidance for the future after payment.

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