The common starting point for most people when they consider personal protection against unforeseen events and circumstances is life insurance. This is generally the cheapest type of cover available and if a death occurred it would lessen the financial impact on the life assured’s family.
As life expectancy has increased life assurance premiums have generally gone down over the last ten years. We are more than happy to review your existing policies to ensure that they remain competitive.
Personal insurance is a way of providing a level of cover or financial security to reduce the impact of a serious event in return for the premium paid. The aim is to provide sufficient funds to ensure that in the event of you dying, suffering from a critical illness or being unable to work for a prolonged period, there is the right cover in place to provide sufficient financial support for your family and loved ones.
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We can search large variety of Life Insurance Policies to Find You the Best Deal
Critical Illness Cover
These policies normally cover approximately 40 conditions, of which the three biggest in terms of claims are heart attack, cancer and stroke. Critical illness cover should be regarded as important and pay-outs are generally made in lump sums to replace lost income, changes to property or fund a necessary adjustment in lifestyle, such as reduced working hours.
For a no obligation Critical Illness cover quotation
It takes just a few minutes to compare Critical Illness cover quotes with IEP Financial. Get started by clicking ‘get quote now’ below.
This is Insurance cover that a home buyer can purchase to cover mortgage repayments in the eventuality that the buyer loses their job or is financially unable to keep making mortgage payments.
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These policies provide a replacement income after the ‘deferred period’ i.e. the period you’ve been unable to work due to ill health, injury or sickness. This will generally be a tax free monthly benefit, payable until you can return to work or the end of the policy term.
Our life insurance and protection advisers can provide you with the right advice according to your personal circumstances. For IHT (Inheritance Tax) purposes this may involve writing policies in trust as they can offer a tax efficient way of keeping benefits from life assurance policies outside of an individual’s estate. If you need help and advice regarding anything to with Income protection also known as sick pay insurance.
Life Insurance – IEP Financial is authorised and regulated by The Financial Conduct Authority (FCA)