Life Insurance
The most common form of protection, ordinary term life cover pays a lump sum to your family if you die within a certain time-frame. Most policies will also pay-out if you’re diagnosed with a terminal illness and have less than twelve months to live
- Give Your Family Complete Peace of Mind
- Cover the Bills
- Clear the Mortgage
Critical Illness Cover
Critical Illness Cover provides a cash lump sum if you suffer from a range of serious conditions within a set time-frame. The money is normally used to pay the bills and provide financial security while you’re on the road back to health
- Get a Safety Net with a Cash Lump Sum
- Cover the Bills & Clear the Mortgage
- Make Accessibility Changes to Your Home
Income Protection
If something serious happens to stop you working - for months, years, or even for life – you’ll want to know you have financial security and that the bills are paid. Income Protection gives you just that, paying a percentage of your income all the time you’re unable to work.
- Pay the mortgage and bills, in good times and in bad.
- Maintain your quality of life, even when things are tough.
- Secure the money you need to stay afloat, when you're out of work through no fault of your own.
Private Health Insurance
The NHS is groaning under the weight of the UK obesity crisis and newer, more effective medical treatments for a range of illnesses often aren’t available. Private medical cover makes ‘going private’ much more affordable – giving you access to more treatments, shorter waiting lists, and first-class care.
- Get affordable access to the best hospitals
- Secure specialist drugs and treatments not available on the NHS
- Choose where and when you and your family gets medical care
Relevant Life Cover
Most company directors are savvy enough to have life insurance, but very few realise they can save up to 53% by taking advantage of a Relevant Life plan.
- Save up to 53% compared to the real cost of ordinary life insurance
- Mitigate inheritance tax and ensure a speedy payout.
- Gain valuable corporation tax relief.
Group Life & Health
Group Life and / or Health Cover is the most cost-effective way to provide peace of mind and financial security for the families of your employees.
- Offer your staff one of the most highly-valued corporate benefits available
- Provide a competitive, cost-effective package to attract new talent
- Boost morale and demonstrate true leadership
Key Man Cover
Key Person Insurance - often called Key Man Cover - is an insurance policy bought and owned by a business to protect its own interests. Cover is provided in the event that an important staff member is suddenly unable to work through critical illness and/or death.
- Protect your business from the financial damage caused by the unexpected loss of key staff.
- Secure the finances needed to source, recruit and train a replacement
- Replace lost profits and maintain cash-flow during the transition
Shareholder Protection
Shareholder Protection Insurance is designed to give you peace of mind in the event that a shareholder in a Limited Liability Company, a member of a Limited Liability Partnership (LLP), or a partner in a partnership dies or is diagnosed as critically ill.
- Raise the money needed to buy shares from the deceased's next of kin
- Stop your business falling into the estate of the deceased
- Avoid the uncertainty of shares being sold to an unknown third-party
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