Insurance Services
With the ever moving and increasing costs of insurance, reviewing your policy could lead to substantially reduced costs. Whilst there is no guarantee of this, we can access a wide range of Insurance companies to see if you could benefit from a reduced monthly cost.
So whether you are reviewing your Buildings and Content or Life insurance, please call us. A quote COSTS NOTHING even the telephone call is FREE (0800 393 673).
Our range of easy to arrange insurances includes:
Decreasing Term Life Cover
- Lowest Premium Rates, the sum assured reduces each year and is usually associated with a repayment mortgage. Premium rates have been falling recently, so if you have a life policy which is 2 years old or more, call us to carry out a rate review.
Level Term Life Cover
- This provides you with a fixed amount of cover over the term of the policy, you choose how much and for how long. Available as a regular income, particularly useful for school age dependants as a Family Income Benefit plan, instead of a lump sum payment.
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Critical Illness Cover
- This plan typically pays you a lump sum if you are diagnosed with a specific illness or condition, such as certain cancers, heart attack, stroke, multiple sclerosis or permanent and total disability. This cover can be arranged as an addition to the plans previously mentioned or as a 'stand alone' plan.
Income Protection Cover
- Also known as Permanent Health Insurance, this cover pays you an income if you are unable to work because of illness or disability.
You choose when the benefit starts, usually between 1 to 6 months from the date you are unable to work, the cover continues until you either return to work or reach retirement age. Many people rely on the state, however, not many realise this means living on a benefit of £70.05 per week. (state Incapacity Benefit Short Term higher rate 2005/2006).
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