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Life Insurance, Critical Illness Cover & Income Protection

Whatever happened to the life insurance salesman? The one who asked you what would happen to your family or business if the breadwinner couldn’t win bread any more, and persuaded you to pay a few pounds (pennies in the old days) for ‘peace of mind’

Their disappearance means that many families do not have enough life insurance to protect their family or make sure their business could continue in the event of their death. Often, they’re not sure what they do have, and old policies may not be set up properly for their current circumstances (in trust, for example, for the right people).

The same is true for illness or accident. If you’re diagnosed with a serious illness, or have a bad accident, your lifestyle, your ability to work at the same pace or to look after your family would be affected. Critical illness cover, income or mortgage payment protection is vitally important.

Most insurance is either a complete waste of money, or the best thing you ever did. And you hope that it will be a complete waste of money, and that you never have to make a claim. But if you do, you want to ensure that the claim will be paid and, if you’re not around, that the money goes into the right hands at the right time.

As part of our review process, we will always ask you about your life and health insurance, review what you have in place, and make recommendations to change or increase it if appropriate.

It’s an important part of what we do. And, if it’s done properly, really can give you the promised ‘peace of mind’.

Outsourcing: Philip Hanley of Philip James Financial Services

What our clients have to say

Philip has provided professional advice appropriate to our needs by taking the time to find out what our requirements are. He is reliable and delivers what is promised.
Lindsey Braune

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