Life comes with no guarantees and every now and again, a curve ball may be thrown your way. Preparing for unforeseen situations ensures you and your loved ones are taken care of should you experience redundancy, severe illness, trauma or more seriously, death. Talking to us, you will receive unbiased advice on different policies available and recommendations on what is right for you.
It’s not easy to think about the unexpected, but planning for the future is essential when it comes to the people you love and the life you’ve built.
Our Risk Reality Calculator is a quick and straightforward way to gain a personal understanding of potential challenges. It helps you understand how an unforeseen event, such as an illness or injury, could impact you and your family.
Taking a few moments to use this tool is the first step towards feeling more confident and secure about your future.
For a friendly chat about how we can help you protect what matters most, please feel free to book a meeting with us.
Income protection insurance is an insurance policy that provides a monthly benefit if you are unable to work due to accident or sickness and pays out until you return to work, the end of the policy term (usually your retirement age) or upon death, whichever is sooner.
It’s tough deciding how much cover you should have and depends on your individual circumstances, lifestyle, expenditure and financial commitments. One of the main factors is also how much can you afford to pay in monthly premiums.
Life insurance policies is always cheaper in annual premiums the younger you are when you buy the policy. Also if your health is good it will also translates to lower insurance costs and buying a policy younger also lowers the chances of having an illness like diabetes or heart disease.
This depends on the type of insurance you’ve taken out. For example if you are covering your mortgage then the amount will decrease in line with the amount with the loan. The monthly premium you pay will be the same each month.
If you have opted for RPI your premium and amount paid out will be in line with this each year. Please note that some insurers will only offer this for the first few years and if you decline it each year, it will no longer be available for you.
The payout is not subject to any taxes but if you have any Inheritance or if the payout forms part of your estate it may be beneficial to place your policy in trust. Before you do this, you need to speak to an adviser.
Whether you're a first-time homebuyer, looking to refinance your existing mortgage, looking for lending options for your business, or needing help finding the right insurance coverage, we've got you covered. Contact us today to schedule a consultation and take the first step towards achieving your financial goals.
| Monday to Friday | 8:30am to 5:00pm |
| Saturday | Closed |
| Sunday | Closed |
Mortgage Advice 
Commercial Insurance 
