LIFE PROTECTION

When looking at life and family protection remember; Advice NOT Price!!

There are many reasons why people need life protection.  These include; repayment of a mortgage, protecting their spouse, protecting their children, inheritance tax planning, and also for funeral expenses.

There are many different policies that will help to ease the financial burden on death and more recently options to include other options such as critical illness cover and terminal illness cover.

At 1994, we have the technology to research the companies’ quotations and deliver these to you along with looking at not only the premium but the type of cover they offer.  

With so many different plans to choose from, it is important to receive independent advice on which policy is most suitable.  At 1994 Ltd we ensure that every client is given advice on not only what type of policy is suitable, but what tax implications are involved and whether the policy should be written into trust.

It is also important to include any existing policies you may have or indeed employer’s provisions.  These can reduce the cover needed in some cases and can be included within your overall Life Planning portfolio.

Whole of Life plan
Mortgage Protection Plans
Critical Illness Cover
Income Replacement Cover
Accident and Sickness Cover
Unemployment Cover
Private Medical Insurance
Family Income Benefit