The house is insured the car is insured, but for many, the person paying for the car and the house isn’t! Why?

Protection is the peace of mind cover our team hope you never need to call on, but having had successful claims paid we know that if it is needed that it is invaluable in relieving the stress and pain at a difficult time.

Like all financial products the advice on taking an assurance policy should be made after establishing all your circumstances including your family, current mortgage outstanding, existing policies, and savings.

We work closely with clients to ensure that the level of cover in place most suits their needs, but also their occupations and budget.

Many of us fail to see how important cover is until someone close to us dies, is diagnosed with a serious illness, or cannot work any more due to ill health. This can be a critical time in people’s lives and in a large number of cases is the one time you do not want to be worrying about how the mortgage or bills are going to be paid.

Our team advise on a range of products to suit your needs and with your guidance will attempt to ensure that the policies most suit your individual needs and budget

If you run a business have you protected the key people and yourself? If not are you running the risk of losing not only your business but your home as well?

We can offer products that will provide cover against critical illnesses such as Heart Attack, Stroke and Cancer, and Permanent Health Insurance to protect your income in the event of sickness. These can be provided for personal use, to protect a mortgage debt or loan, and for business owners to protect yourselves or your key members of staff.

Life cover can be established to protect a person or couple and be written in trust to protect your partner or family to help avoid the lengthy process of probate and the potential of Inheritance Tax. More and more of us are exceeding the inheritance tax threshold because of the value of our property, let alone our savings, jewellery and any other considerable assets. You work long and hard to own your home and build up your savings, so why pay the government tax on this when you die. Our team can help you with your inheritance tax planning. We may not be able to prevent the entire tax bill, but with whole of life assurance plans we can make it that someone else pays the bill for you.
This will help you get money to your family members when they need it most, and go some way to easing the pain of losing a loved one.

Lots of companies offer you life protection policies over the phone or over the internet, but very few are allowed to discuss the complexities of the policies and the benefits and pitfalls of writing the plan under trust. This is even more apparent for businesses where there are additional tax implications of writing the plans incorrectly.

We can also offer Private Medical Insurance, which is there to assist you with medical bills if you fall ill and want to be treated privately rather than waiting for the NHS system.

In an industry offering so many products at such a wide differential in price, we believe that an independent view on the policies is essential. After all, why insure yourself at all, if you don’t want the peace of mind of knowing that the policies will do what they are supposed to do.

We will establish the policies with you, which is the first step, but will review the plans to ensure that they continue to meet your needs and remain suitable. However we will also be there if a claim is made and can and have assisted in the successful payouts of over £620,000 in 2008 for critical illness cover and are currently helping others with their claims.