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We are passionate about protection and we want to ensure that you are able to build generational wealth leaving a financial legacy for your family as well as protect your income, home and business through our various products from a comprehensive panel of insurers in the market.
Life insurance can help ease your worries that your loved ones will be taken care of and may not have to deal with the financial strain that could arise from you no longer being around. They would receive a lump sum if you die or are diagnosed with a terminal illness. You may want to consider life insurance if you’re:
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Sometimes even the healthiest people are diagnosed with illnesses they have little chance of preventing – like cancer. Critical Illness benefits are paid regardless of the life insured’s ability to work. The funds can be used for any purpose the policy owner chooses, whether for the reduction of debts, to seek specialist or alternative medical treatment, or make lifestyle changes (such as reducing working hours). Critical illness cover can be combined with life insurance. Critical illness cover pays a lump sum benefit if the life insured suffers one of the defined critical illness events.
Keep your life on track if you are unable to work due to sickness or injury. Income Protection is designed to help you get back on your feet, covering your monthly income if you’re unable work due to sickness or injury. You will receive a monthly benefit into your bank account so you will be able to stay on top of bills and maintain your lifestyle while focusing on your recovery.
Whether you’re looking for a basic or higher level of health cover, we can help you find a private health insurance product to cater for your lifestyle and budget. Our Wealth Creation Consultant will help you to find several options regarding your health care for you and your family.
Buildings and contents insurance is available for individuals and landlords. It covers loss of and damage to your home, garage, shed and their contents, caused by fire, break-ins and weather events. If you’re a landlord renting out a residential property, make sure your building is well covered. There is an option to cover your furnishings too. This insurance policy will cover claims due to damages in your property produced by weather, escape of water, fire, theft or accidental damage.
Professional indemnity insurance provides you and your business with protection against claims for financial loss, bodily/personal injury or property damage arising from an act, error or omission in the performance of professional services. If you are in any kind of profession that gives advice or provides a service for a fee, for example: advertising agencies, management consultants or consulting engineers, professional indemnity is a necessity. Your business is your livelihood, so protecting it is paramount.
Public liability insurance is for people who work in other people’s homes and premises such as painters and decorators, trades men, electricians and businesses that sell food who could cause damage to other people’s properties or harm the public.
Employers’ liability insurance covers you and your business for compensation costs if an employee becomes ill or injured as a result of the work they do for you. It’s legally required of all businesses with one or more employees. You must get employers liability insurance as soon as you become an employer and it can provide cover for £10 million.
Office and surgeries insurance combines all the policies relating to your office or surgery conveniently into one to provide full coverage.
Enjoy the peace of mind and confidence that comes with knowing that your office or surgery is fully covered against an accident or incident.
Property insurance is for people who have a property portfolio consisting of houses or blocks of flats. If you have more than five properties, you can process a property insurance policy on the commercial side in order to save money. Property insurance can provide protection for people doing renovations, developments or for people who have unoccupied properties.
Cyber protection is a necessity for individuals and businesses. Businesses are vulnerable to cyber-attacks where cyber criminals can hack your systems and steal data such as bank details and pay slips to name a few. Such an attack would be disastrous so you need to be protected.
Fleet insurance is taken out by businesses with three or more vehicles including cars and vans. Businesses that will require fleet insurance include taxi companies, estate agents, couriers etc.
Commercial combined insurance offers clients the opportunity to combine their business insurance policies into one. Most businesses need employer’s liability, professional indemnity and public liability and they can be included in one policy. You could also have add ons to this policy and include office and surgeries insurance and cyber protection. Legal expenses are a standard benefit that is included in commercial combined insurance policies.