Personal & Business Protection
Have you thought about how you and your family would be affected if you were to be off work long-term, diagnosed as critically ill or were to pass away? We advise on and set-up life, critical illness, income protection and family protection plans.
FREE ADVICE & PROTECTION REVIEWS
No one knows what is around the corner when it comes to health and planning for the unexpected is something we all should be doing. We can tailor a package of insurances to protect you, your family, your income, your home & even your business. All of our advice is free of charge and we handle all applications and amendments for you.
For a no obligation protection review, call 0330 133 2981 today!!
How can life assurance help me?
Pay off your mortgages in full when you die
Pay off your mortgage in full or part if you are critically ill
Clear unsecured debts in either event
Provide support for hospital treatments/travel
Provide a lump sum to cover funeral costs
Provide a regular monthly income for your children
Replace your income if you are off work long-term
24/7 access to medical professional
Pay off your mortgages/debts if terminally ill
Access to counselling, bereavement and other support services
Provide a lump sum if you break a bone or tear a muscle
Risk, medical underwriting and GP reports
Once you have taken the decision to put policies in place, our Advisors will guide you through the application process to ensure all questions are answered fully and correctly. Depending on your age, your job, your hobbies and medical history, your application may be sent for underwriting by the insurer. Depending on the outcome, the insurer may decide to apply additional weighting to your premiums to cover the additional risk on their part, defer, decline your application or request additional information via a GP report if there are under-lying health issues.
The application, medical questionnaire and underwriting process is normal when buying insurance through a recognised expert and it will ensure your policy fully reflects your position. Although this process does take longer than buying an 'Off the shelf' policy online, the tailored approach adds strength and credibility to your policy, drastically increasing the chances of it paying out.