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Life Insurance provides your family with a tax-free lump sum of money in the event of your death. They are free to use this lump sum in whatever way they choose. To pay off outstanding debts, supplement household income or provide for your dependants.
Peace of mind
Life Insurance gives you complete peace of mind. Even if the very worst happens, many of your dependants’ needs will be taken care of. There are two main types of Life Cover:
Term Assurance Cover
- You choose the level of cover you require (lump sum) and the period of time you want the cover for.
- If you die during the period of cover, the policy pays out a lump sum to your family.
Your premium is determined at the beginning of the policy and can be fixed for the entire term.
Whole of Life Insurance Cover
A more comprehensive form of Life Insurance with no specific term. That is, you are covered until you die, as long as you pay the required premium.
- You can cover your entire life, or be covered for as long as you want to pay premiums.
- Because your premiums are reviewed to ensure they meet your benefits level, they may be subject to periodic increases.
Buying your home is one of the biggest and most important financial decisions you’ll ever make. Not only is it a place for you and your family to live in and enjoy, but it also has a big role to play in your financial well-being.
What Mortgage Protection does provide a lump sum of money to pay off the balance of your mortgage in the event of your death. It is a basic, cost-effective form of life cover designed to ensure that your family and loved ones’ home is fully protected.
Mortgage Protection has several key benefits:
- Cover for your mortgage term – As you gradually pay off your mortgage, the level of cover you choose is designed to reduce each month in line with your outstanding mortgage.
- Great value cover – There are no increases in monthly premiums with Mortgage Protection cover – the premiums stay the same for the entire duration of your mortgage.
- Flexible options to suit your needs – We can offer Mortgage Protection cover just for you, or for you and your spouse or partner. You can take out a life Insurance policy on its own, or add a Specified Illness cover for more comprehensive protection.
The financial headache you face when an illness or accident prevents you from working can be severe. Income protection is a policy that provides an alternative income if you find yourself in that situation. It means you can focus on your recovery.
When the unexpected happens, we know that what matters is peace of mind from a policy you can trust. An income protection policy:
- Will pay up to 75% of your usual income*, allowing you to continue to take care of your loved ones
- Has a guaranteed level premium option which means the cost will never go up, even if you make a claim
- Qualifies for Tax Relief at your marginal rate.
- Who is eligible for Income Protection?
You must be in full-time paid work as a self-employed person, or as an employee or company director to qualify for Income Protection and to receive benefits in the event of a claim.
If you are an employer, you may wish to consider a Group Income Protection scheme for all full-time employees in your organisation.
Specified Illness Cover provides you with a lump sum cash payment if you are diagnosed with any of a specific list of illnesses, such as Heart Disease, Cancer or a Stroke. You can take out Specified Illness Cover on its own or add it to your Life Cover policy.
Most business owners will take steps to minimise risk to their business – insuring property, equipment, vehicles, etc. While these are sensible precautions, what would happen with the death of key people, partners, or directors?
Successful companies are made up of people with experience, knowledge, management expertise and vital business contacts. Without these people the business might not succeed. Business Protection is designed to protect a company against some of the costs associated with the death of a key employee, director, or partner, much like a business insurance protects against loss of profits resulting from fire or flood.
Depending on the nature of a business, there are three types of Business Protection:
- Co-Directors Insurance
- Partnership Insurance
- Keyperson Insurance
The death of a company director can have a serious impact on the surviving directors and the deceased’s successor. Ideally, if there is sufficient cash in the business, the surviving directors would buy out the deceased’s estate.
Co-Directors Insurance ensures that this cash is available. Each director takes out a life insurance policy on their own life, in trust for the surviving directors. If a director dies, the surviving directors would then have the cash to enable them to buy back the shares from the deceased’s estate.
The death of a partner can affect a business in different ways. If there is no partnership agreement in place, then the partnership could be dissolved in law. If a partnership agreement exists and the partnership is not dissolved, then the surviving partners would become liable to the deceased’s estate for their share of the partnership.
With Partnership Insurance, each partner takes out a policy on their own life, in trust for the other partners. Upon the death of a partner, the proceeds of the life policy would then become payable to the surviving partners, enabling them to buy out the deceased’s next of kin.
Key person Insurance
The aim of Key person Insurance is to protect your company on the death or specified illness of a key employee by paying out on the financial loss incurred by either of these events.
The company takes out an insurance policy on the life of that key employee, ideally until retirement age. The company pays the premiums and then receives the benefit if the employee dies or suffers a specified illness.
Business Protection keeps your business covered.
Group Protection plans are designed to provide, Income Protection, Life Insurance and Specified Illness Cover to employers and their employees. They offer financial protection in the event of a staff member dying in service or suffering an injury or illness which prevents them working. Group Protection is a valuable and attractive part of any employer’s overall proposition and plays a key role in staff recruitment, motivation and retention.