Protection Planning

Life Insurance

Life insurance is designed to provide financial protection in case of death of the insured individual.  This can be designed to repay a mortgage or to replace an income and can be arranged as either a fixed or reducing level of cover.

Permanent Health Insurance

Many people accept the need for life cover in case they die but they are much more likely to get ill and be unable to work.  If they are self employed, or not paid by their employer when unable to work, this could lead to drop in income.  PHI cover provides an income whilst unfit for work through illness provided the premiums are being maintained.

Critical Illness Insurance

Benefits from a Critical Illness policy can be paid as either a lump sum or regular monthly on diagnosis of one of a specified list of critical illnesses.  This could, for example, provide capital to cover the cost of modifying a home.

Accident/ Sickness/Unemployment Insurance

Income protection is a safeguard against losing a job, and hence an income, as it can cover the cost of rent or mortgage payments, utility bills, or loan repayments.

Private Medical Insurance

PMI is designed to cover the cost of private medical treatment for curable short-term illnesses.  As a private patient it is normally possible to choose when treatment will take place, who will provide it, and where it will be provided.