Insurance
Why do you need insurance? Because the unexpected sometimes happens. If you're burgled, insurance can pay for you to replace the things that were taken. If you need medical treatment, it can pay for private healthcare, and replace some of your income if you can't work. If you die, insurance can pay a lump sum to the family you leave behind. The insurance company agrees to pay out if the event which you're insuring against happens.
Cost
You pay a monthly premium throughout the term of the policy. Cost depends mainly on:
- Your age – at the time you start the policy. Older people are more likely to suffer an illness, so pay more.
- Your sex – gender can have an affect on the premium you pay.
- Your health – at the time you start the policy. If you have existing health problems you might be refused cover or have to pay more.
- Your job – some jobs are more likely than others to contribute towards illness. For example, a bank clerk is deemed to have a very safe job but a deep sea diver runs high risks and so would have to pay more
- Hobbies and lifestyle – for example, smoking makes you more likely to become ill, so you'll pay more.
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We will advise and make a recommendation for you after we have assessed your needs for Life Assurance, Critical Illness Cover, Private Medical Insurance, Income Protection products, Accident Sickness and Unemployment and Buildings and Contents insurance.
We offer products from a range of insurers for Life Assurance, Critical Illness Cover, Private Medical Insurance and Income Protection products.
We only offer products from a limited number of insurers for Accident Sickness and Unemployment and Buildings and Contents insurance. Please ask us for a list of insurers we offer insurance from.