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Protection is generally needed to provide an income or a lump sum to protect people who depend on you or to provide for you in times of need. We arrange all types of protection including the following:
Life Cover - People often need life cover for a variety of different reasons, whether it is to cover financial commitments such as a mortgage or loan, or to provide for the family in the event of premature death.
Critical Illness - This type of policy would potentially pay out on diagnosis of certain critical illnesses such as some forms of cancer, stroke and heart attack. It may well be that on diagnosis you are unable to work again yet still have financial commitments. A critical illness policy would potentially pay off those commitments with the right level of cover.
Income Protection - This type of policy pays a 'replacement' income in the unfortunate event of being unable to work due to an accident or sickness. The policy pays a proportion of your income, usually about 50% after a pre set deferred period until either you return to work or reach the end of the plan term, whichever occurs first.
Accident, Sickness & Unemployment - This is often referred to as ASU Cover. This type of cover is designed to pay an income in the event of an accident, sickness or redundancy. It will pay out after a pre set deferred period for a maximum period of usually 12 or 24 months. For Accident,Sickness and Unemployment cover we usually offer products from a single provider. |
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