AN INNOVATIVE BESPOKE PARTNER
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service and breadth of products
for our discerning clients.
By working with professionally vetted counterparties we ensure our clients receive excellent service and products to suit their needs. Our highly experienced partners have been selected for their skill and experience and shared values ensuring a premium bespoke client experience.
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Partners
PARTNER PRODUCTS
LIFE
COVER
Life cover is used to describe life insurance or death cover provides a cash lump sum in the event of your death, or if diagnosed with a critical illness. This can also be paired with critical illness cover as part of your life cover or taken out separately.
By paying a monthly premium or a lump sum to your insurer for the cover, you can protect your loved ones from financial distress if you were to die or suffer from one of a list of illnesses.
The money could also be used for funeral costs, repayment of a mortgage, clearing debts, or your family’s living expenses.
CRITICAL
ILLNESS
Critical illness cover provides financial protection from certain illnesses and medical conditions of a defined severity.
Your cover will provide a tax-free lump sum cash payment which can be used to assist you and your family. It could for example, help you pay off your mortgage, pay for treatment to help you recover or also pay your household bills.
All critical illness policies will cover cancer, heart attacks and strokes, providing they are of a certain severity.
INCOME PROTECTION
Income protection insurance is designed to support you financially if you have to take time off work through injury or illness and suffer loss of earnings as a result.
This type of insurance covers the majority of illnesses that restrict your ability to work. For example it may cover you if you’re unable to work due to a stress-related illness, mental health or a physical health condition.
Income protection insurance will only cover you if you’re unable to work due to illness or injury – it does not however pay out if you're made redundant.
PRIVATE MEDICAL INSURANCE
Private Medical Insurance (PMI) provides cover for the cost of private medical treatment for ‘acute conditions’ diagnosed after your policy begins.
PMI has a whole range of options in terms of different levels of cover at various price points designed to meet the needs of individual customers.
For example, you can select the types of treatment covered, what level of cover will apply to those treatments, the location where your treatment is provided and the contribution you are willing to make towards those treatments.
BUSINESS PROTECTION
Business protection ensures that in the event of disruption through the death, critical illness or temporary disablement of key employees or a business owner that the business can continue running with minimal issues.
It provides a financial safety net to a business and there are different products depending on circumstances. From providing funds in the event of a death, to purchasing shares from a widow, providing funds to repay loans or even allow the family of a shareholder to receive fair value for their share of the business.
HOME & BUILDING INSURANCE
Home insurance falls into two categories:
Buildings insurance covers the structure of your home and any permanent fixtures and fittings, such as fitted kitchen units and bathroom suites, if they are damaged or destroyed. It is a requirement for property loans to have this in place.
Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen.
You can buy buildings and contents insurance separately or as a combined policy.
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