Life cover, Critical illness cover & Income protection policies
Nobody likes to think of the worst or what could happen if things went wrong. But what would happen if you were unable to work, due to long term illness or disability?
How would you pay your mortgage or meet your other monthly commitments? How would your partner meet the monthly mortgage payments, in the event of your death or the diagnosis of you becoming critically ill?
These are things you really should be mindful of and failure to meet monthly mortgage repayments could result in mortgage lenders repossessing your home.
We appreciate that this is not an area which is easy to talk about, but your protection needs matter to us. We can prepare a free protection report for you so you can get a better understanding of all the different options available and how much the different policies would cost.
If the policy has no investment element then it will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan