Including Critical Illness Cover, Mortgage Protection and Income Protection
About Life Insurance
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… 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.
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.
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It takes just a few minutes to compare life insurance quotes with IEP Financial. We can search a large variety of life insurance policies to find you the best deal. Get started by clicking ‘get quote now’ below.
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.
Critical Illness Cover
These policies normally cover approximately 40 conditions. The three biggest in terms of claims are heart attack, cancer and stroke. Critical illness cover should be regarded as important. Pay-outs are generally made in lump sums to replace lost income. Also in changes to property or fund a necessary adjustment in lifestyle. This includes reduced working hours.
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.
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. In fact, this will generally be a tax free.
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