EU Directive; Non gender bais to increase premiums by up to 15% in Dec 12. Re-access your needs and policies now! Contact us for a Free policy review.

Are you finances built on the right foundations? If the worst were to happen would your family be protected if you became ill or died? As the graphic illustrates, our whole life can come tumbling down if we dont have that safety net! that back up plan.

" Our employers will take care of us if anything if anything happens!" , " the pension scheme covers all that". These are comments we hear all the time, but the reality is often different. Critical illness cover is not a standard part of most pension schemes. Some employers provide " death in service" some none. Do you know what yours covers. Also , these payments are normally inadequate to replace your whole income. Far better to guarantee to pay off the mortgage or loans with you own policy. Don't rely on others. Act now to protect yourself and loved ones!

Types of insurances.

Life assurance 

The basic requirement to cover your liabilities if you die.

Critical Illness Protection

Pays out a lump sum tor level monthly payment to pay off mortgages or provide an income to live off etc if you contract a serious illness, cancers, strokes, MS, heart disease etc etc. 

Sickness and Unemployment cover

Designed for short term illness or loss of job protection

Divorce maintenance Insurance scheme

Insure your maintenance payments by insuring your ex. The court order means nothing if they die or get a critical illness and cannot afford the payments. This is crucial part of divorce planning that most solicitors dont even consider! Contact us to find out more about these crucially important schemes.