As the name suggests, a Whole of Life Plan provides cover for the whole of your life with the amount of cover being paid out on death, or critical illness if that option is chosen.​

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The plan is flexible and can be adjusted from time to time to ensure that it continues to provide the cover you need.

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Whole of life plans are often used to provide benefits to cover financial expenses such as funeral arrangements and inheritance tax planning.

Although you’d never guess it from its title, Level Term Assurance is a great way to help you and your family should the worst happen.

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Our Level Term Assurance plans can be set up to provide a lump sum in the event of death, the diagnosis of a terminal illness and the diagnosis of a critical illness.

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LTAs are pretty straightforward to set up and give real peace of mind however long you choose to run them for.

Critical Illness Plans guarantee to pay out a cash sum if you are diagnosed with a specified critical Illness within the term of the plan.

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Many people take out life insurance to protect their loved ones in the event of death, however the impact of a critical illness on a breadwinner may be more of a burden to the family than if they were to die.

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Financial compensation on diagnosis of a critical illness will not provide a cure, however it will ensure that your financial situation is one less thing to worry about. Contact us today for a free no obligation quote.

Private Medical Insurance (PMI) is, typically, for people who want to cover the cost of private medical care for acute, short-term and curable conditions, rather than existing, long term health problems, disabilities or incurable diseases.

 

Having additional health insurance means that when you need medical treatment, in most cases, you won’t need to worry about waiting times on the NHS. It can also pay for, or towards, the cost of consultations, tests or surgery that you would otherwise have to foot yourself.

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You can get a range of different levels of cover, at varying costs. Giving you choice over the kind of cover you pay for.

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Health insurance is designed to offer treatment alongside the services provided by the NHS. For example, doctors appointments would still be through the NHS, but with private medical insurance you could also receive:

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• Faster treatment

• The option to choose a time and place that is convenient for you

• Better facilities

• A wider range of treatment types and drugs

The following questions will help you understand how well protected your business is to unforeseen events.

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• Do you have any key individuals who contribute heavily to profits?

• Does the business have any unprotected loans or debts?

• Would you want your estate to receive the value of your share in the business in the event of your death?

• If a fellow business owner died, would you want to retain total control of the business?

• In the event of the death or critical illness of a key person or business owner could a cash injection help secure your future?

 

If you have answered Yes to any of these questions you should consider contacting us today to arrange a free initial meeting to discuss your own Business Liability Audit.