Have you ever thought how you would cope financially should you be unable to work due to illness or injury? How would you pay the mortgage and other household bills? Would you be able to maintain your current lifestyle?

Income Protection is designed to help protect you and your family should you be unable to work due to an accident, sickness or disability.  Income protection plans will usually pay a monthly benefit for either two years (budget cover) or it will pay a monthly benefit until the expiry age (e.g. age 55, 60, 65, 70).  You can also add fracture cover which will pay out a lump sum should you fracture specified bones in your body, and waiver of premium which will take care of your premiums whilst you are off work (subject to a waiting period).

There are a number of scenarios where people can benefit from an Income Protection plan, including:

• Those with family responsibilities
• Home owners looking to protect mortgage payments
• Anyone with regular monthly outgoings, such as loans, credit card payments, council tax and other bills
• Self-employed people whose income is entirely dependent on them working

Mortgage protection can help you to maintain your mortgage payments and associated bills (limits apply, please ask for details), if you can’t work due to accident or sickness.  This cover will usually pay out for around 1 year but can pay out up to 2 years benefit.  You can also opt for additional lifestyle cover, which is designed to help you maintain your lifestyle should your income stop.

In addition to all the benefits above, on certain products you can add a vitality program to help you stay healthy and potentially save money on your premiums.

Life insurance offers valuable financial protection in the event of death.  This could be used to repay your mortgage or to leave a lump sum to your partner or children or whomever you nominate.

Other options include critical illness cover, which pays out a specified lump sum on diagnosis of a critical illness.  This can be used to help you recover after being diagnosed, or to repay your mortgage to free up more of your income each month.  Examples of critical illnesses are certain cancers, heart disease, heart attack and stroke, with many others being included.

An important part of your business planning should be protecting the business that you have worked so hard to build up.  We have access to protection plans designed around your business needs, so whether you are a sole trader or a limited company, we have the right solution for you.

We can place most business protection cases, whether it be to cover a key person within the business to ensure you can still trade without a loss of profits, or to cover the loss of a shareholder, which would mean that their share of the business could be purchased if they were to die or become critically ill.

We also specialise in finding solutions for:

Business Packages; including offices, shops, restaurants, hotels & surgeries, which would include online tools to construct health and safety policies, business continuity plans and employment documentation, as well as online libraries providing information in respect of health and safety, legal & employment issues.

Commercial Property Owners Packages, which includes all risks cover subject to exclusions, loss of rent indemnity period of 36 months, property owners liability up to £5 million.

Tradesmen Liability Package, which includes employer’s liability of up to 10 million in any one event, and public and products liability of up to £10 million.

• Public/Employers Liability
• Motor Trade/Fleet
• Professional Indemnity
• Directors & Officers Liability
• Residential Property Owners
• High Net Worth Household