Selecting the correct insurance and mortgage protection will help your family financially if something should happen to you. It provides much needed income if you can no longer go out to work and pay essential outgoings for your family.

When deciding on insurance, the many options available makes it hard to know how to customise a policy to meet your specific needs. There’s more to an insurance policy than choosing the term and amount. Various options can be added to an insurance plan allowing you to address any specific financial concerns based on your financial circumstances.

These different options can provide the additional security your family requires if the unthinkable should ever happen.

Two popular features regularly added to basic insurance policies include those that cover critical illness and those that focus on loss of income, or income protection.

We can give you and your family piece of mind by recommending a policy based on your personalised circumstances. We can offer advice on a range of insurance products, such as:

Life insurance

No-one likes to think about what will happen if they were not around. A life insurance policy can help to ease the burden left on families and loved ones by providing either a lump sum, which can be used for anything from paying off your mortgage to paying School/University fees, or a number of lump sum payments, depending on what type of life cover you take out.

Critical illness cover

Unfortunately one in five men and one in six women will be diagnosed with a long-term critical illness that will stop them from working normally. This insurance cannot prevent this from occurring, but it can help to make things easier if it were to happen. Critical illness cover will pay a lump sum on the diagnosis of a critical illness. Most companies provide cover for around thirty-five to forty illnesses so it is very important that you get proper advice to enable you to decide which provider is the best for you.

Income protection

It is a common misconception that the state will provide an income in the event of long-term sickness. However, this is not the case and many people overestimate the benefits provided by their employer. Income protection will provide an income in the event of long-term sickness and can also help to make sure that you do not fall behind on your mortgage repayments and are able to maintain your current lifestyle for you and your family in the future.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

Unemployment cover

In the current economic climate nothing is certain, but you can make sure that you do not suffer any more than you have to. Unemployment cover will provide you with an income in the event of you being made redundant. Just like income protection, the money can be used to make sure you do not lose everything that you have worked so hard to build up.

House and Contents insurance

It is a requirement of your mortgage lender that you insure your property. House and contents insurance will provide protection for your house and its contents and ensure that all your hard earned belongings are protected.

Please contact us for further advice on the range of insurance options available or send us a message via our online contact form here