Financial Services

• Life Insurance
• - Affordable Life Insurance
• - Family Protection
• - Mortgage Protection
• - Estate Planning
• - Business
• - Whole Life
• - Paying for a funeral
• Critical Illness
• Mortgages
• Pensions
• Investments
• Loans
• Income Protection

Life Insurance

Protecting Your Family

No-one likes to think about dying, but many people with families realise that it's a sensible precaution to ensure the family has enough money to live on, should the main income-earner or main carer die unexpectedly. There are different types of life insurance policy on offer, depending on your circumstances and wishes:

Term Assurance

This is a policy that runs for a fixed period of years. It's useful if you just want life insurance during especially important times, such as when children are growing up.

Whole of Life

This is a policy which is more wide-ranging than a fixed term policy, covering the whole of the insured person's life, and with a sum guaranteed to be paid out on death.

Endowment Policy

This operates like a regular savings policy, in which you pay regular amounts over a fixed period. It pays out a lump sum if you die within the policy period - but it also pays out if you're still alive after the final premium has been paid or if a certain period of time has passed after the fixed period has elapsed.

Critical Illness Cover

An agreed sum is paid out on death or on the diagnosis of medical conditions specified in the policy. These are usually serious or life-threatening conditions such as heart disease and cancer. Critical Illness Cover is often an optional extra which can be added to other life insurance policies - though it can be taken out as an individual policy.