Financial Planning and Advice
The insurance side of financial planning is often overlooked, but it should be a priority. Life cover can be a great way to ensure that your partner, family or any others who are financially dependent on you are financially supported with living costs such as household bills should the worst happen. Life insurance can help with everything from payments remaining on your mortgage term to covering any outstanding debts - which can be invaluable to families in the case of a sudden death.
What We Do
Our team of financial advisers are on hand to discuss what your insurance options are. They'll evaluate your personal circumstances to find a life insurance plan that will cover whatever you need it to, while keeping monthly payments as low as they can be.
Our Services
There are a large range of life insurance policies out there and finding the right one for your unique circumstances can feel overwhelming. Our team of protection advisers will be on hand to help you find the right policy, at the right price, with the right provider, to make sure that your future is covered. How much life insurance you need and how much your life insurance costs, is an entirely unique to your personal circumstances, which is why we recommend seeking advice. Life insurance is not a savings or investment product, but it can prove invaluable when it comes to protecting you from unexpected life events or terminal illness.
Life Insurance
There are many different life insurance options available, from a joint life insurance policy, to term life insurance that comes with a repayment mortgage to provide mortgage protection should you pass, or a policy where you need to add critical illness cover. To ensure that your life insurance has how much cover you need it to, our team will help you to evaluate your options and find a life insurance quote with monthly premiums that work for you, and take away the jargon when it comes to life insurance FAQs and explaining how each level of life insurance works for you.
Income Protection
Unlike a life insurance policy alone, income protection insurance ensures that you will receive a replacement income, should you be unable to work due to illness or injury. This can prove to be invaluable for people who might otherwise struggle to pay rent or mortgages without a steady income. Statistics show that many people, specifically in high risk roles, such as tradesmen, will often make a valid claim at some point in their working life.
Critical Illness Cover
At some point in our lives, it is more than likely either we or a loved one will become subject to a critical illness. No matter what your medical history, critical illness such as cancer or a stroke could affect anyone. Our team can help you evaluate the critical illness cover available to you to provide your family financial protection should anything ever happen. Should you come down with a critical illness, this insurance provides you with a guaranteed lump sum payout if you become critically ill to help provide financial security with anything from monthly bills to the extra cost of travelling to treatments.
Private Medical Insurance
Private medical insurance is often offered as a perk of working for a business, however, for people who are self employed or for businesses themselves, it can be a great investment. Many UK residents are finding that NHS waiting times are rising, private health insurance can prove to be invaluable in reducing the time taken out of work as well as encouraging policy holders to address things such as mental health or other conditions that might otherwise be pushed aside.
Looking for a new life insurance policy?
A medical or life insurance payout is not something that anyone ever wishes for, but it can be invaluable in many situations. At TPD, we're here to help guide you and provide realistic advice, don't hesitate to get in touch and provide a few personal details to find out what your options might be.
