Life & Protection Insurance 
     
"If I had my way, I would write the word 'insure' over every door of every cottage and upon the blotting book of every man, because I am convinced that for sacrifices that are inconceivably small, families can be secured against catastrophes which otherwise would smash them up forever. It is our duty to arrest the ghastly waste, not merely of human happiness, but of national health and strength which follows when, through the death of the breadwinner, the frail boat in which the fortunes of the family are embarked flounders"
Winston Churchill
  
     
There are many types of life and protection policies available, the main are:

Term Assurance
This is the most basic and inexpensive type of life insurance and provides a fixed amount of cover over a fixed term at a fixed premium. The lump sum is paid out if death occurs before the end of the contract term.
Main uses
Protecting your family
Protecting your mortgage

Whole of life
This type of policy will pay out whenever death occurs and is therefore more expensive than term assurance
Main uses
Inheritance tax planning

Critical Illness
The benefit is paid as a lump sum on the diagnosis of one of several specified diseases which would be listed in the policy. Designed to meet capital expenditure with regard to the illness

Permanent Health
These policies are designed to meet the need for income replacement for people who suffer long term disability caused by accident or sickness.

We offer a wide range of policies to cover most requirements. For more information please contact us.