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Life Cover

Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. If you die or if you’re diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy
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Critical Illness Cover

Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses
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Income Protection

Income protection insurance is a policy that protects you against loss of income due to unemployment, illness or accident. It could provide you with a tax-free income and could continue to pay out until you are able to return back to work or retire.
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Family Income Benefit

Family income benefit is designed to pay a regular income if you die. An alternative to level term insurance, family income benefit aims to replace lost income if the person insured dies. Level term insurance pays out a one off lump sum
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Building and Content

Home insurance (or house insurance) protects you from insured events that damage your home or your belongings. For example, if your home is damaged or destroyed in a fire, having the right insurance could mean the insurance
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Private Health Insurance

Private Medical Insurance (PMI) is designed to cover the cost of private medical treatment for acute conditions that start after your policy begins. PMI is available at a range of different levels of cover at various premiums

The Process We Follow

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Confidential Fact Finds

Before we start talking it is better to understand about yourself and your circumstances as this would help us to direct in the right presentation
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Detail Product Discussion

It is always advisable to present client with what is available in the market and how it works
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Structured Orientation

We go step by step in explaining how this product will fit in your circumstances
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Product Recommendation

It is very important to understand your circumstance and then select the product that would suit your current needs and circumstances
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Provider Selection

Every provider has different ways of product design so it is very important to understand clients personal and medical circumstances and recommend the best provider which will suits their needs
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Personal And Medical Questionnaire

Once we are done with the product selection with the selected provider, the next step is to a complete fact find where we do ask most commonly asked personal and medical questionnaire as required by most of the provider
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Application Submission

After collecting all the information, we then submit the application to the insurance provider, send you the application copy for your reference and also to verify if there is any changes required and all data is as per our discussion
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Underwriting Process

Underwriting process has very simple out comes like
Standard terms – policy can go live as planned as everything is accepted on standard terms
Premium loading also called as rated premium -Where there is an additional risk of a claim due to any health reason.
Defer – If the risk is currently too high but may improve then an application may be deferred for a specific period
Excluded If an exclusion is applied to a policy it means a claim will not be paid for a specific high-risk pursuit or medical condition
Decline if the risk is too big that an application will be refused.
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Policy Issuance

After going through the above process, policy is issued if it is issued on standard terms and for policy which are rated and if there is an exclusion, a consent is taken from the client. If the policy is deferred or decline, we would update the client accordingly and would reconsider the application within few months.
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Post Policy Services Cont'd

All the issued policy is kept in life assurance Trust which is designed to save Inheritance Tax. We also do carry out all the amendments and policy changes if any without the client calling the insurance provider customer service.

Business Protection

Relevant Life Cover

A Relevant Life Plan is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It’s designed to pay a lump sum if the person covered dies or is diagnosed with a terminal illness, whilst employed during the term. A Relevant Life Plan is paid for by the employer. Employers looking to provide ‘death in service’ benefits, but with too few employees to set up a group scheme.

Business loan protection

Business loan protection provides a lump sum for businesses to cover their loans should an owner or key person involved in the repayment falls critically ill or passes away. Should this unfortunate event happen, the lump sum will ensure the business is prepared as some loans may have personal guarantees and must be repaid in the event of a death. Don’t put your business at risk and get a free quote today.

Key person protection

When a key person in a business dies it can have a devastating financial effect. You can help safeguard your business against the death, terminal or critical illness of a key person with key person protection. Key Person Protection is a business insuring itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a specified critical illness if chosen, during the length of the policy.

Interested, get your no obligation quote now.