Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Insurance & Protection

LIFE ASSURANCE

WHY YOU NEED IT ?

Life Assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many different ways to arrange life cover and we can help you find the most appropriate plan available. When linked to a mortgage, Life Assurance ensures that in the event of death your mortgage will be repaid. This means that your dependents will be left with a mortgage-free roof over their heads.

CRITICAL ILLNESS

WHY YOU NEED IT ?

Critical illness cover, also known as critical illness insurance, is a long-term insurance policy to cover specific serious illnesses listed within a policy. Should the worst happen, it gives a tax-free ‘lump sum’ – a one-off payment, to help pay for your mortgage or rent, debts, or pay for alterations to your home such as wheelchair access should you need it, but it’s your choice how you spend it.

INCOME PROTECTION

WHY YOU NEED IT ?

This offers borrowers the security of knowing that their essential repayments will be made if they are off work due to an accident or sickness. For example, if you are in an accident and are unable to work for a while, a lack of comprehensive income protection cover means you will rely solely on state benefits, which are unlikely to be sufficient to meet your mortgage repayments.

PROTECTION IS KEY

TYPES OF COVER

There are many types of cover available on the market today and we have listed a few above.

However, we would always recommend that you speak with your Entity Financial Associate mortgage and protection specialist who will be able to assess your individual situation and advise on the right type of protection products to suit the circumstances of you and your family.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

LIFE ASSURANCE
CRITICAL ILLNESS
INCOME PROTECTION
FAMILY INCOME BENEFIT
BUILDINGS AND CONTENTS
OVER 50’S PLAN

PROTECTION ADVICE

WHY IS PROTECTION IMPORTANT

Many of us will know somebody who has suffered from a serious or critical illness or passed away due to cancer, all of which can have devastating personal and financial effects on those around them.

Whilst our lives may be going well, none of us know what is around the next corner, but it is exactly at this time that plans should be made; if something was to go wrong in the future, you want to know that you and your loved ones are protected, and that your finances will not become a difficulty.

PROTECTION ADVICE

Why do you need advice when there are so many search facilities available? It’s because our expert Entity Financial Associates will ensure that you are getting the right cover for you circumstances, and at the right price.

OUR PROMISE

Our aim is to ensure that you are made aware of the different types of protection cover available on the market and the benefits that these can bring to you. This is where your Associate can advise you on the right cover, taking into account your individual personal requirements, outgoings and lifestyle expectations within your budget.

Our promise is to offer a tailored protection solution so that you and your family are taken care of should the unexpected happen. Our associates will also discuss with you the benefits of putting your policy in trust for no extra cost.

We will also continue to stay in touch with you once your initial review has been completed. It is important that we review your circumstances because you may need to adjust the level of cover you have over time as you experience different key life changes.