With home insurance you have the choice to protect your house with building insurance, contents insurance, home emergency cover, accidental damage cover, family and legal protection cover or personal possessions cover.
With Life insurance you will protect your partner and your kids in case you die prematurely. Your family would receive a lump sum of money as a financial help that would allow them to have time to grieve and think what they will need to do. Depends on your life insurance sum assured your partner will be able to pay basic financial commitments every month for a few years or until your kids would be adults if that was your goal.
Additional we can add as a Trustee your mother or brother to your life insurance. A person which if you would die in a car accident with your partner, would be appointed to be their guardian and you would like to have access to this money so that your kids expenses would be covered until they would be adults.
With life insurance we can also provide to you basic last will and guardianship legal document at no extra charge.
Also we will put your life insurance into TRUST. This means that there would not be any Tax payments and your family would have immediate access to the insurance money.
Usually in the next 3 weeks, rather than insurance company following the probate process with the completion of the last will where the money would be paid after 6-12 months to the beneficiaries.
Read the current UK law about what happens to children after their parents haven't appointed a guardian.
With serious illness cover, if diagnosed with a serious condition that is in the insurer list you will have access to a lump sum money to tackle with this situation or repay your mortgage.
We protect 14 claimable areas in the body covering 182 conditions in serious illness plus insurance plan or 153 on serious illness.
These payments can be boosted so you can be paid 100% of the sum assured you have chosen.
And they can be protected so that you can be paid multiple times until the age of 70 years up to 3 X The sum assured you have chosen.
There are also 5-7 severity levels of conditions depends on the plan you have chosen, which means you will have access to money from a less serious condition and as this is something progressive you would be paid again and again.
Access to Multiple claims.
Cancer relapse option .The two benefits are:
1. Payment for recurrence of cancer at the same or lower severity.
2. 50% Boost for recurrence of cancer regardless of severity.
Does your critical cover provides you these benefits?. Please contact me to learn more details.
With income protection cover we make sure that in case you are incapacitated to go to work because you had a serious injury or were diagnosed with a serious illness condition, insurance company will top up the statutory sick benefit you would be receiving from the employer to be able to pay basic financial commitments or even to maintain your standard of living with only a sick note.
You will be receiving 60 % of your gross income monthly for as long as you would need to recover until you will be able to go back to your work or even until retirement if you would be permanent disabled.
Best thing with Income protection is that there is no list of conditions you need to have in order to get paid every month. Any serious condition or injury that lasts more than 4 weeks (if 4 weeks is your deferred period when insurance company calculates the loss of income ) would be eligible for payment.
These payments would last until you will be well enough to return back to work or if you would be disabled or had a condition that you could never work in your own occupation, then insurance company would pay you until the end of your contract or the latest until you would be 68-70 years old and you would get into pension.
Income protection cover protects also your savings. Get in touch to learn more information.
If a kid is serious ill, would you like to have additional financial resources ? A lump sum of money will give you access to private doctors and a second opinion. You could also stop working for some months and stay home with your kid.
With child serious illness cover with 2.50 £ per month your kid is covered for 25.000 £ lump sum payment in case it's seriously ill and this condition is in the insurers list of serious illness conditions.
Insurance company will cover up to 183 serious illness conditions in 14 body areas.
You can select a coverage up to 100.000 £ sum assured for your kid.
When we have a family with a mortgage, the ideal coverage would be to fully protect the mortgage with income protection, in case the owner would have an accident and for several months and he would not be able to go to work.
In this situation the income cover insurance would pay the owner of the plan, every month a benefit that would cover his mortgage expenses and all basic financial commitments until he would be recovered to return back to his work.
The mortgage owner should also have a life cover for the term of the mortgage and for the value of the outstanding mortgage account.
This way if there would be a premature death, the whole mortgage amount would be paid and the family would have an asset to stay in or to sell.
For comprehensive cover we would also suggest the plan owner to have serious and critical illness for the outstanding mortgage cover, this way if the plan owner would have a critical illness the mortgage would be paid off.
Basic last will and guardianship document are available to our clients at no extra cost. Please contact me for more information.
Providers GP app will allow you to have video GP consultation within 48 hours and have a fast referral to a consultant within 10 days. This specialist would be max 40 minutes away from your home.
You will have a choice of 3 different specialists where you will be able to choose one based on their experience, their expertise and the reviews of other patients about their journey with this doctor and how soon they recovered. If you would need to have a surgery , all expenses would be included.
Is a life insurance that has no expiry date. This means that its 100 % sure that at some point the client’s family will be paid.
People who can’t save money because of high basic expenses, as long as they can keep paying this insurance, they have guaranteed benefit that whenever they would die, they would leave a gift to their family members.
This is also used as a funeral benefit or for Tax payments after death as you know you can cover these expenses, no matter when you will die.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
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