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    When you have a family, your priorities change.


    What would happen if the unexpected happened and you weren’t able to provide for your family? A life insurance plan can be used to safeguard your family from the financial uncertainty and hardship that comes with serious illness or death.

    We are a business that will provide you with honest, clear and simple Financial Advice for you, your family, and business owners. We provide an expansive range of products & services that will be tailor-made to suit each of our clients own needs from one individual to large corporate companies.

    Life Assurance

    Peace of mind for you, your family, and your business Life insurance policies pay out a lump sum or ongoing amounts on the insured person’s death. You agree to a monthly payment to the insurance company in return for a lump sum payment for your family should you die. It makes sense to take precautions against the financial impact of your death.

    Remember Life Assurance costs have gone down so, so maybe you are currently paying too much for the amount of Life Cover you need……

    Mortgage Protection

    Mortgage protection means more security for your family
    For most of us, buying a home is a major financial commitment.

    So it’s important that we have cover in place to protect your home, if the unexpected happens. A mortgage protection plan will pay off the outstanding balance on your mortgage if you die or become seriously ill. Bringing you peace of mind in the knowledge that your family home is secure, no matter what happens.

    Remember Life Assurance costs have gone down so, so maybe you are currently paying too much for the amount of Life Cover you need…….

    Income Protection

    What exactly does Income Protection cover?
    Income Protection can replace up to 75% of your usual income less any social welfare payments if you’re off work due to illness or injury.

    The price you pay for this policy will be determined by your age, occupation and health status. 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 absent from work due to illness or injury, this plan provides you with a replacement income after a deferred period of four weeks up to fifty two weeks which is chosen by you at the outset of your policy. You will be paid until you return to work, or until your chosen retirement date if you’re not fit to return to work before then.

    Business Protection

    Hard-working, creative and valued employees are the most powerful assets available to any business.

    That’s why it makes sense to protect against the loss of certain key members of staff, bolstering your company against the financial and operational fall-out of such an event to cover employees, shareholders, directors, partners.

    Key Personnel Cover

    Many businesses have a key person who is responsible for the majority of profits, or has a unique and hard to replace skill set that is vital to the business.

    Key Personnel cover taken out by a business compensated that business for financial losses that would arise from the death or extended incapacity of an important member of the business.

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