Life & Health Insurance

We offer professional, impartial Life and Health Insurance advice. Based in Tamworth in Staffordshire, we can offer face-to-face advice at our offices or a remote service across the UK. As Independent Advisers we survey the market, not only to find a competitive premium, but also to make sure the insurance meets your requirements and has the breadth of cover you require.

Do you need life insurance? If your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is probably yes, since it will help provide for your family in the event of your death.

What is It?

An insurance that is designed to pay a tax-free lump sum or income to your dependents if you die.

Each year nearly a million people in the UK find themselves unable to work due to a serious illness or injury, many as a result of so-called "critical illnesses" such as heart attack, stroke or cancer. Treatments and survival rates for these illness are improving all the time, but if you couldn’t work due to a serious illness, how would you manage? Could you survive on savings, or on sick pay from work? Would you want to pay off your mortgage or have funds to pay for adjustments in your home or lifestyle? You might want to consider critical illness insurance.

What is It?

It is designed to pay a lump sum if you are diagnosed with a critical illness or disability. It covers specific critical illnesses set out in your policy, (usually long term/serious conditions).

As mentioned above, each year nearly a million people in the UK find themselves unable to work due to a serious illness or injury. Not all of these are as a result of a life-changing critical illness. Many will face temporary illness or injury from which they will likely recover in a few weeks or months. If you couldn’t work due to a serious illness, how would you manage? Could you survive on savings, or on sick pay from work? If not, you’ll need some other way to keep paying the bills – and you might want to consider income protection insurance.

What is It?

Pays you a percentage of your salary if you are unable to work due to illness, injury.

PRIVATE MEDICAL INSURANCE

Medical care in the UK is generally available without charge via the National Health Service (NHS). However, increasingly there are occasions where this treatment cannot be provided promptly or a treatment option is not available via the NHS. Delays in getting treatment can result in prolonged discomfort or inability to keep up employment. For these and other reasons, many people arrange Private Medical Insurance or have it provided via their employer.

What is It?

An insurance designed to cover the cost of private medical treatment for ‘acute conditions’ that start after your policy begins.