PROTECTION

Personal Protection

We never want to think about it but should the worst happen would your family be protected?
Life assurance offers valuable financial protection and peace of mind in the event of death or critical illness, especially where you have a family dependant on you and/or your income. This could provide a lump sum or an income payable on death or critical illness, over a specific term of years e.g. the term of your mortgage. Benefits payable could form part of your estate, if not written in trust and could be liable for inheritance tax, if the value of your estate is above a certain threshold.
There are many areas which need to be addressed to ensure you have the correct cover in place and we can advise in the following areas:-

Business Protection

If you are a business owner or if you are self-employed and you were unable to work, the effect on your family and business finances could be dramatic. Also if a key member of your business was to fall ill your business may be forced to stop trading if the cash flow does not enable you to replace key people, be that yourself or a valued employee, as well as covering the expenses of the day to day running of the business.

Again, we can assist by advising on the following:-

General Branch Protection

We also can assist in arranging the following cover:-

A no obligation meeting can be arranged at our expense to see if we can be of assistance in this area, and this can be at your home, your office/work place or at our office.