Independent Medical & Protection Insurance Advice

	Corporate Medical Insurance
	Individual Medical Insurance
	Critical Illness/Life Insurance
	Income Protection
	Mortgage Protection
	International & Expatriate Healthcare Insurance
	Keyman Insurance
	Shareholder Protection

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LIFE ASSURANCE

The most popular, widely used form of life assurance is Term Assurance. This is because Term Assurance is the cheapest and simplest form of life assurance, which in return for a monthly premium provides cover for a fixed term.

There is no investment in this type of cover with benefit being paid if the life assured dies within that term.

Policies can be written on a single or joint life basis and is generally used to protect you and your family or business. Amongst the types of policies we arrange are:

• Family cover
• Mortgage protection
• Keyman protection
• Partnership/Shareholder protection
• Group Death in Service

Due to our independence, we endeavour to obtain the best possible rates for our clients by researching the market through our many agencies.

Whether it's your family or business, with this cover in place, you can relax in the knowledge that should the worst happen, your family and most important assets will be financially protected.

CRITICAL ILLNESS

Critical Illness cover which, if required, can be taken out in conjunction with life assurance, provides you with a tax free lump sum should you be diagnosed with one of up to 30 serious illnesses (depending on insurer). The three most common and well known of these illnesses are cancer, stroke and heart attack.

In the UK today, due to advances in modern medicine, you are more likely to survive a serious illness. However, such an illness may stop you working for some considerable time or, in some cases, permanently. If this happens to you, how would you survive financially?

A well set up critical illness policy would enable you to clear all your financial liabilities such as mortgage, loans, credit cards etc., and in doing so, relieve you of the pressure and stress of all your financial commitments.

These types of policies can be used for you personally and also to protect for business circumstances as well. We offer professional and fully independent advice on any of the following areas of Critical Illness cover:

• Personal/family cover
• Mortgage Protection
• Partnership/Shareholder Protection
• Keyman
• Group Critical Illness