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It’s great to be optimistic and hope for the best, but you also need to plan for the worst.  The simple truth of the matter is that even if the odds are very much against something bad happening to you, or the people you love, sometimes life throws you a challenge and having the right insurance can help you deal with it.

As a rule of thumb, if you really need it, or just really value it, then it’s worth protecting as much as you can.  For example, if you have dependents, life cover is generally highly advisable.  You might also want to look at your options for medical cover and income protection cover.

Last but definitely not least, if your family includes pets, then it’s often a good idea to get insurance for them too.  Not only can they give you peace of mind for vets’ bills but some policies offer support if your pet causes damage to a third party.

​Please contact us for more information

The Value of Protection

If you have a family or people that rely on your income, Protection Insurance should be considered essential to you.

Payment Protection Insurance / Short Term Income Protection Insurance

If you are unable to work following an accident or illness Payment Protection Insurance & Short Term Income Protection Insurance can help towards your regular outgoings such as mortgages and bills.  Some firms also offer protection against compulsory redundancy as an optional extra.

Life Insurance

Knowing that your loved ones are taken care of should something happen to you unexpectedly, can give you great peace of mind. Life Insurance (sometimes known as Life Assurance) helps provide this financial security.

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Critical Illness Insurance

Critical illness cover is designed to pay out a tax-free lump sum should you be diagnosed with a serious specified illness or medical condition during the term of the policy, this helps to give you peace of mind that you don’t have to worry about bills whilst you are ill.

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Income Protection

If you couldn’t work due to a serious illness or injury, how would you manage? Could you survive on savings, or on sick pay from work? If not, you might want to consider income protection insurance which provides regular tax free payments to help toward monthly bills.

Investment
Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.
 
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Mortgages
A mortgage is likely to be the single largest financial commitment you ever make. There’s a wide range of mortgage products out there, with varying interest rates and repayment options available.
 
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Pensions
It’s important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.
 
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Insurance
It’s important to ensure you put the right insurance in place to protect your home, it’s contents and your overall financial security.
 
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Protection
Life and Protection Insurance policies can protect you and your family from the financial consequences of death, a serious accident or illness, or unemployment.
 
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