Family Protection & Personal Insurance
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This section is designed to help you find products that will create a degree of protection for yourself and/or your family.
Below are the main forms of protection available along with a brief summary. For more details on products and ideas relating to that particular type of cover fill in and submit the form below.
Two basic types commonly used, Term Assurance a cost effective way to provide straight forward life paying out a lump sum on the death of the insured with no investment value. The second is classed as Whole of Life, a more complex form of life cover involving premiums being invested into a fund from which the cost of cover is deducted, in this event the product is designed to run until the death of the person covered as opposed to a specified term. There are other variations based on these types of assurance.
Again a Term or Whole of Life maybe selected with various options. For example , you can choose to incorporate life assurance with the critical illness so that the sum assured is paid out in the event of either death or diagnosis of a critical or serious illness.
This type of cover has become more popular as a result of the high ratios of people suffering such an illness and having major disruption caused to the family’s financial stability. Take a look at some of our statistics on this area.
Income Replacement Cover
Commonly known in the industry as P.H.I. (personal health insurance) or D.I.B. (disability income benefit) the product is designed to replace your income in the event of illness from and to a specified period. For example, in the event of you suffering a long term illness the payments may run from the time your employer would normally cease full salary payments to your normal retirement age. We can provide a free quote without obligation.
Simply a way to cover medical expenses by paying regular premium for various standards of cover.
Answer the questions below for a free basic no obligation quote for Life Assurance and/or Income replacement cover.