Life Insurance is a way of helping your family to cope financially when you die. The payout can be used to clear a mortgage or just cover everyday living expenses. It is very important to ensure that the right money gets into the right hands at the right time and we will work to set up policies which will make this happen.

Critical Illness cover will provide a lump sum payout (normally the amount of your mortgage debt) should you be diagnosed with a serious illness. The conditions covered include illnesses such as cancer, heart attack or stroke and many others.

It is important to consider in such a situation how you would meet your current financial commitments whilst at the same time paying for any required treatment. A Critical Illness pay-out could repay all or some of your mortgage or provide funds for private medical treatment.

An Income Protection policy will provide a regular income if you are unable to work due to illness or disability until you are well enough to return to work. It is very important to be aware of how long your employer would be prepared to pay you for in such circumstances.

Would this be full pay or a percentage of your current pay?

Would the amount you will be paid allow you to pay your mortgage, other credit commitments, regular bills and maintain your family’s lifestyle?

The income provided by an Income Protection policy will help manage any shortfalls.