Life and medical insurance
40% of men and 25% of woman between the age of 30 and 64 will suffer a critical illness. What would you do?
The rates of survival after strokes, heart attacks and the like have improved over the last few decades. But illness can have a lasting affect on your health which might significantly affect your ability to earn an income, or it may increase your medical expenses.
Life and medical insurance means you don't have to worry about what might happen - you know you've got it covered.
Every insurer has slightly different products depending on whether you are looking for individual, couple or family cover. Some have per-child premiums or premiums for smokers.
We can give you independent advice so you can be confident you have the right cover for your personal circumstances.
Mortgage protection
You want to be confident that you won't risk losing your home if your earning capacity is affected by illness or redundancy.
Mortgage protection insurance is designed to pay your mortgage in the event that you are unable to pay it yourself.
Your policy can include
- living assurance
- life insurance - replays the balance of your mortgage in the event of your death
- redundancy options - pays your mortgage for a period of time if you are made redundant
- waiver of premiums
We will help you decide what type of insurance is best based on your circumstances - such as whether you have dependants or not.
We'll make sure you have the right cover.
Life and medical insurance
No one plans to suffer a serious illness or accident resulting in death.
Make sure your family is protected so that if anything happens to you they won't suffer the additional stress of paying bills or possibly losing their home.
Medical insurance covers you for surgical and non-surgical costs so you can get treatment when you need it so you can:
- reduce the stress of paying for your treatment
- avoid delays while waiting for public health services
- have a choice of when, where and how you are treated for your condition
- protect yourself from future health issues before they arise
We can help you decide what level of cover you need, for example whether it's worthwhile including dental and general practitioner (GP) bill cover. There are many things to consider such as who can tailor a policy to suit your budget.
Get independant, professional advice on what is best for your circumstances.
Disability protection
If your health suffers a setback and you can no longer work (permanently or temporarily) your financial stability doesn't have to be affected too.
Disability income protection provides you with a regular payment if you are unable to work and earn an income.
With income protection you can focus on your recovery without having to worry about paying the bills and supporting your family.
Permanent disability cover provides help with ongoing medical expenses and possible modifications to your home.
We know the insurance market well and can help you find the right level of cover for you and your family.
