Income Protection

Would you be able to meet your household expenditure if you were unable to work due to sickness or accident? If not, Income Protection Insurance (Permanent Health Insurance) may be the solution.

Income Protection provides the following:

• A regular income if you are forced to stop work due to illness or injury
• You can choose when your benefit starts to coincide with the end of your employers sick pay period
• Suitable for employed and self-employed
• Within limits you can choose your level of benefit
• Benefit can be paid monthly to meet your regular commitments
• Payments can be maintained until you are fit enough to return to work or until the end of the policy term. Whichever is sooner.

Critical Illness Cover

Normally, most of us arrange life assurance to provide for our families if the worst happens, or to cover a mortgage or other substantial loans. Invariably, we neglect the far-reaching impact of suffering a critical illness and being unable to work after a recovery. There are many medical conditions and illnesses that, although not fatal, have a serious impact on both our lifestyles and crucially, our ability to earn a living.

And that is where Critical Illness Cover can help.

How it Works

Heart disease, stroke and cancer are common in the UK, and fortunately advances in medical science mean that more people survive these serious illnesses every year.

Conditions that were once often fatal can now be treated, if not actually cured, and the victim may well live on for decades afterwards but be unable to resume their employment.

For these reasons more and more people are arranging critical illness protection, either alongside or as an alternative to a life assurance policy.

We can help advise you on the level of protection you need and the time scale to suit your individual circumstances.