Life Assurance
Critical illness insurance is a policy designed to pay out a lump sum if you are ever diagnosed with one of the critical illnesses on the contract. Often these polices will have complex requirements for accepting diagnoses and a minimum survival period is often enforced. We can help you to pick your way through the detail to find the right policy for you.
Key person cover is a form of insurance designed to compensate businesses on the event of death or incapacity of a member of staff who is considered critical to the profit making of the company.
Income Protection Insurance (IPI) is by far your biggest asset. If you are one of the few 'financially free' then maintaining your income through investments will be one of your priorities. If however you are not one of the lucky few, then making sure you have an income in times of hardship will be important to you.
Share protection
Inheritance Tax protection can sometimes be a very large income, but whatever the size, potentially losing out on sums of money can be upsetting. Inheritance tax protection can help reduce the impact of inheritance tax on anything left behind by loved ones.