The most important part when planning your future is protecting you and your family.
Our Protection Plans
We use Defaqto expert rated products to back up the quality and comprehensiveness of what we offer.
FAQs for Life Insurance
Do you need life insurance?
Take the time to consider how much money your loved ones might need to maintain their living standards if you were to pass away. This might include costs such as bills, mortgage repayments, school fees and any other debts you might need to repay.
How long do I need cover for?
When it comes to how long you need cover for, think about how long your kids will need financial support, or when your other half might retire.
Joint or separate life insurance policy?
If you and your partner would like combined cover, you can take out a joint policy. This pays out once and won’t provide cover for the second person after the first passes away.
You can also both take out two separate policies. So once it pays out for one person their policy will end – but the second person’s policy will continue.
FAQs for Critical Illness
Do you need critical illness cover?
You can’t know what’s around the corner for your health, but you can make sure you’re prepared financially.
Think about expenses you’d need to cover if you were critically ill and couldn’t work. It might be monthly outgoings like rent payments and general bills, or instalments on a loan or a repayment mortgage. If you don’t have savings to fall back on, getting cover can help take financial worry away while you’re recovering or having treatment.
How much critical illness cover do you need?
It depends on things like what you want to cover, how much you’re looking to pay each month, and for how long.
FAQs for Income Protection
Why choose income protection? Features and benefits to think about
Features and benefits to think about
- Monthly payment
The monthly payments will cover some of your lost earnings, helping you maintain your lifestyle while you’re away from work - Flexible cover
You can choose when your payments begin and how long the policy will pay out for if you’re unable to work. Your adviser will discuss the options with you - Supportive claims team
The claims team are trained to understand how you’re feeling when you need to make a claim, and do everything they can to help - Fixed or variable benefits
Options include a fixed payment that stays the same for as long as you hold the policy, or benefits which increase with inflation - Buy through LOUPE
To buy this policy, the first step is to talk to one of our Top Rated Advisers. If you decide the policy is right for you, we can apply for you.
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