Life and Health Insurance

Getting the best financial protection for you, your family or your business is something we often think about but don’t always get around to but this is where life assurance and other protection policies can help. There is an abundance of choice. The most basic form of protection policy is life assurance but there are many other protection policies available. We offer advice on all forms of life and health insurance including:

• Life Assurance – Life assurance can be set up for a specified period of time (term assurance) or without a fixed term (whole of life). It can be arranged for you or your family.
• Critical Illness Cover – These plans pay out on diagnosis of one or more of a wide range of serious illnesses.
• Permanent Health Insurance – Also known as income protection these policies make up a proportion of income lost through illness, accident or disability.
• Accident, Sickness & Unemployment Cover – This type of policy covers you if you lose your income through illness, accident or unemployment and helps with mortgage and loan repayments.
• Private Medical Insurance – This can cover you for private medical treatment and you may be able to add on extra benefits such as dental cover.
• Business – Protecting your business from the potential financial losses incurred if a key person, partner, shareholder or director should die and / or be diagnosed with a terminal or critical illness.

Many of these covers can be also arranged on a group or corporate basis.

With so many choices and so many options making a decision can be overwhelming. Our specialists can compare the whole market and recommend the products and benefits most suitable for you. To discuss the options available please contact us.