Income Protection – Safeguard Your Financial Wellbeing
What Is Income Protection?
Income Protection is designed to provide you with a regular income if you’re unable to work due to illness or injury. This type of cover pays a percentage of your salary every month until you’re fit to return to work.
If your employer offers sick pay, we’ll factor this into your plan to ensure you’re fully covered. Plus, we even offer tailored policies for NHS professionals and Public Sector workers.
Why Should You Consider Income Protection?
For most of us, our income is the foundation of our financial stability. Without it, covering essential expenses like mortgages, rent, bills, and everyday costs can quickly become a challenge.
Whether you’re off work for a few days, weeks, or even longer, Income Protection gives you the freedom to focus on recovering without the added worry of rushing back to work too soon.
Do I Still Need Income Protection If I Have Critical Illness Cover?
Yes, you likely do! While Critical Illness cover pays a lump sum for specific illnesses, Income Protection ensures you receive a monthly benefit if you’re unable to work – even if your condition isn’t considered “critical.”
For example, issues like a bad back might not qualify for a Critical Illness claim but could still keep you off work for weeks or months. Income Protection bridges that gap, ensuring your finances stay on track no matter the situation.
Do You Need Income Protection?
If any of the following sound familiar, it’s worth considering:
- Struggling with bills: You’d find it hard to cover your mortgage or rent without your income.
- Preserving your savings: You don’t want to dip into savings for essential outgoings.
- Concerns about state benefits: You’re worried state benefits won’t be enough to sustain you.
- Self-employed: You don’t have sick pay to rely on.
How Can Our Protection Advisers Help?
Our expert Protection advisers will take the time to understand your unique circumstances and priorities, offering tailored advice you can trust:
- Personalized Recommendations: We’ll recommend a policy that provides you with the financial stability and peace of mind you deserve.
- Annual Reviews: Life changes, and so should your policy. We’ll review your needs yearly to ensure your cover remains suitable.
- Budget-Friendly Options: We’ll help you find a premium that works for your budget, so you still have room to enjoy the little luxuries in life.
Ready to Protect Your Income?
Speak to one of our dedicated Protection advisers today to explore your options and discover how Income Protection can give you the financial security you need, no matter what life throws your way.
Critical Illness Cover – Peace of Mind When You Need It Most
What is Critical Illness Cover?
Critical Illness Cover is an insurance policy that pays out a tax-free lump sum if you’re diagnosed with a specific illness or medical condition. This financial safety net gives you the breathing space to focus on what matters most—your health and recovery—without worrying about your finances.
We work with a wide range of insurers and conduct in-depth research to find the most comprehensive policy for you, balancing your coverage needs with your monthly budget
Why Consider a Critical Illness Policy?
Sadly, illnesses like cancer, heart attacks, and strokes are all too common and can affect anyone, often turning life upside down—not just physically and emotionally, but financially too.
A Critical Illness policy helps protect you and your loved ones, offering:
- Financial stability during challenging times
- Access to medical advice
- Emotional support for both you and your family
It’s more than just insurance—it’s a way to safeguard your future and focus on what truly matters when life throws you a curveball.
Do You Need Critical Illness Cover?
If any of the following resonates with you, it’s worth exploring your options:
- Private treatment: You want the choice to pay for private healthcare if needed.
- Financial security: You’d rather focus on recovery than worry about bills.
- Mortgage protection: You want to ensure your home is safe and secure, even if you’re unable to work.
- Family support: You want to continue providing for your loved ones, even in the face of serious illness.
How Our Protection Advisers Can Help
Our dedicated Protection advisers take the time to truly understand your needs, priorities, and concerns. Here’s how we make a difference:
- Tailored Recommendations: We provide personalized advice to ensure you get the right cover, giving you peace of mind for life’s unexpected moments.
- Ongoing Support: Life changes, and so do your needs. That’s why we review your policy annually to ensure it continues to meet your requirements.
- Budget-Friendly Options: We’ll work with you to find a policy that fits your budget, leaving you with enough disposable income to enjoy life’s little luxuries.
Let’s Protect Your Future
Speak to one of our specialist Protection advisers today to find the right Critical Illness Cover for you. We’re here to provide peace of mind, so you can focus on what’s truly important.
Life Insurance – Protect What Matters Most
What Is Life Insurance?
Life Insurance is designed to provide financial support to your loved ones in the event of your death. Depending on your needs, the policy can offer a lump sum payout or regular monthly payments to ease the financial burden during a difficult time.
We can tailor your policy to suit your circumstances:
Joint or Individual Cover: We’ll guide you on the best option for your situation.
Decreasing Policies: Ideal for covering a repayment mortgage.
Level Policies: Provide a fixed amount of cover.
Why Consider Life Insurance?
It’s never easy to think about, but considering the financial impact of your passing can help ensure your family’s future is secure. The loss of a loved one is an emotional time, and the right Life Insurance policy removes financial worries so your family can focus on supporting each other.
Do You Need Life Insurance?
If any of the following apply to you, it’s worth exploring your options:
- Securing your home: You want your family to stay in your home without financial stress.
- Maintaining your family’s lifestyle: You want your loved ones to live comfortably, without drastic changes.
- Covering funeral costs: You want to ensure your family doesn’t need to rely on savings to cover expenses.
How Our Protection Advisers Can Help
Our experienced advisers are here to provide tailored advice that puts your needs first:
- Personalised Recommendations: We take the time to understand your priorities, offering peace of mind that you’re fully covered.
- Ongoing Support: Life evolves, and so do your needs. We review your policy annually to make sure it continues to provide the right level of protection.
- Budget-Friendly Options: We’ll work with you to find a policy that fits comfortably within your budget, leaving you free to enjoy life’s luxuries.
Let’s Protect Your Family’s Future
Speak to one of our dedicated Protection advisers today to find out how Life Insurance can give you and your loved ones financial security and peace of mind.
As with all insurance policies, conditions and exclusions will apply
Get in touch
Ready for a chat? We’re here to help you leap into homeownership with ease. Reach out now!