If you/your partner passes away, a lump sum is paid out. This is generally used to ensure a mortgage and any other large debts are settled, also provides financial security for families should the worst happen.
Provides a lump sum in the event of the person/people covered suffering a serious illness. The money provides stability for you/your family while you receive treatment, many people want their mortgage covering should this happen, which is fine. The lump sum can also be used for home alterations should they be needed or other things such as the cost of childcare, bills etc.
This can be taken out for a certain length of time (the term) and we will help you determine how much this should be.
We will also make sure you understand what conditions you are covered for and in which cases it will pay out.
This provides you with an amount each month should you become ill or have an accident which means you are unable to work. This can kick in as you require, some individuals will have sick pay with their employers, so can ‘defer’ the first payment for when this runs out. Considering the average family in the UK has enough savings to last 6 weeks this is an extremely important cover to have. The amount of income that you can cover is based on a percentage of your net wage. This is designed to support you while you recover and get back to work.
This is the same as Life insurance however rather than a lump sum, this policy will pay out an amount per month, for the rest of the term of the policy.
Provides you with access to high quality health care, skipping the NHS queues. Using the best medical facilities and treatments at a time and place to suit you. This is provision for the treatment of acute medical conditions, ranging from Physiotherapy needs to diseases or illnesses that will respond quickly to treatment enabling you to get back to normal life. Longer term conditions aren’t covered, and any preexisting conditions will not be covered.