Personal Protection Insurance
Protecting you, your family, & your wealth
The impact of an untimely death, being too sick to work or being diagnosed with a critical illness can be financially devastating for you and your loved ones if you don’t have the right life insurance, income protection and critical illness cover in place.
We all take out property, car and mobile phone insurance, so why not place the same importance on insuring you and your family.
Getting the right insurance cover depends on a range of factors including your age, health & lifestyle, occupation and liabilities. There are hundreds of options available from level or decreasing plans to term or whole of life cover to putting insurance policies into trust. It can be a minefield!
I have access to a wide range of insurance providers and bespoke products not available online and can use these to recommend the right insurance product and level of cover to suit your circumstances and liabilities and give you peace of mind.
I also have the ability to speak with medical underwriters directly which can help to provide more accurate insurance costs, save time and help to obtain insurance for individuals who have been unable to obtain cover in the past.
As part of any protection plan, I will discuss the following solutions:
Life Cover
Helps to minimise the financial impact of your death or the diagnosed of a terminal illness (less than 12 months to live). This policy provides piece of mind for you and your family. There are various forms of cover from term plans, to family income benefit, to whole of life. I will advise you on the ideal product and level of cover to match your agreed budget.
Critical Illness/Serious Illness Policy
Pays out a lump sum if you are diagnosed with a specific illness or condition. This policy could be used to pay off liabilities and cover the costs of recovering. There are broad range of products on the market to suit all budgets, giving you the ability to claim on a wide range of conditions. This type of insurance can be complicated to understand. I can help decipher the jargon and ensure you are getting the best cover for your needs.
Income Protection Policy
Pays out a monthly benefit if you are unable to work due to sickness or injury. This is an ideal way to cover your monthly outgoings and support your family financially. There are several options and additional benefits that can be built into these plans. I have access to a wide range of providers that specialise in this market. Which helps tailor this cover to your specific job role.
Let's Talk Personal Protection
To discuss either setting up a new personal insurance, reviewing existing cover, please contact me via
Mobile: 07976507785
Email: ben@harroldfs.co.uk