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Life, Critical Illness & Income Protection

Unparalleled support and planning to bring you and your family peace and mind if serious illness or injury occurs.
Sometimes, in our role as an independent financial adviser, we have to have the difficult conversations with clients and their families. Discussing critical illness, income protection and life insurance certainly falls into this bracket.

It is important to appreciate the benefits of life, critical illness and income protection insurance. These policies should be considered as part of your broader wealth management arrangements.

Life Insurance

It is important to consider increasing and decreasing the level of insurance cover to reflect your changing financial outlook, especially as we get older. We can provide specific guidance regarding multiple life insurance policies as there may be restrictions or different ways to structure such cover.

Types of Life Insurance

While the concept of life insurance is fairly simple, there are numerous variations which can address different requirements. It is possible to add-on an array of additional cover including:-

Critical Illness Cover

Critical illness insurance will pay out a lump sum on the diagnosis of critical illnesses such as cancer, heart attacks, strokes, and paralysis. Cover can be structured to make up any loss of income and cover additional expenses such as medical costs.

Terminal Illness Cover

This is an area in which we can offer advice and guidance, with this type of cover often included as an added extra with traditional life insurance. In the event that you are diagnosed with a terminal illness, there may be the opportunity to apply for a lump sum payment prior to your death.

Over 50’s Life Insurance

The over 50s life insurance market is extremely competitive and we regularly negotiate bespoke deals for clients. While there will be an initial questionnaire, there is no need for a medical examination and we can arrange lifetime cover. We are aware of the small print, the restrictions and conditions some insurers place on their policies. Consequently, we can advise you about the best course of action and the right policies for your situation.

Critical Illness Insurance

While critical illness insurance can be part of a general life insurance package, it is possible to arrange this type of cover on its own.

Sufferers can see a significant reduction in their household income and a potentially huge increase in medical costs. Insurance payments for those diagnosed with a critical illness can help to reduce some of the financial pressure in what are very challenging times.

Income Protection

Income protection can form a crucial part of their long-term financial planning. Income protection cover was created to pay out a regular income if you are unable to work because of sickness or disability. Dependent on the terms and conditions of individual policies, you are likely to receive financial assistance until you return to work or retire.

The level of financial assistance is flexible although this will obviously be reflected in the premiums paid. Looking at the broader picture, income protection cover is a necessity for many people, especially those who are self-employed.
I was happy with the service and correspondence between Paul and myself, he was very professional throughout the process. Paul supplied all the information required, following our telephone conversations.
Judy C
Professional and friendly service from experienced people to help you make the right choices and complete the important paperwork.
Tim P

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