our services
Level Term Insurance
Level term insurance is a type of policy which pays out to beneficiaries if you die within a set time frame.
With a level term policy, everything stays level. You pay a fixed premium every month throughout the term, and the amount that it will be paid to your family remains level too.
Private Medical Insurance
If you have been diganosed with an illness, your main priority is to receive the best treatment as soon as possible. If you do not want to use the NHS, private treatment can be costly. Taking out private medical insurance ensures your medical bills are taken care of and allows you to choose when and how your care is provided.
Whole of Life
Whole of life insurance is a life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided the required premiums are paid. As a life insurance policy it represents a contract between the insured and insurer that as long as the contract terms are met, the insurer will pay the death benefit of the policy to the policies beneficiaries when the insured dies. As whole of life policies are guaranteed to remain in force as long as the required premiums are paid, the premiums are typically much higher than those of term life insurance where the premium is fixed only for a limited term.
Income Protection Insurance
This type of insurance provides regular payments if you're unable to work due to illness or injury. It replaces part of your income, if you can’t work because you become ill or disabled. It pays out until you can start working again, until you retire, die or at the end of the policy term – whichever is sooner.
Critical Illness Insurance
This is a policy which will provide you with a tax free lump sum if you're diagnosed with a serious illness .
Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy.
Examples of critical illnesses that might be covered include:
- Heart attack
- Stroke
- Certain types and stages of cancer
- Conditions such as multiple sclerosis
Most policies will also consider permanent disabilities as a result of injury or illness
Policy in Trust
The main benefit of putting your policy in trust is around the current UK tax laws. As it stands, a life insurance policy forms part of your estate when you die.
We will place the policy in trust absolutely free and mitigate the taxes
