Protection

Life Insurance

The main aim of life assurance is to provide benefits in the event of the death of someone you are financially dependent on. You choose the amount of cover you need and how long you need it for and you can pay your premiums monthly or annually.

In return, your family has the reassurance of knowing that if you died while covered by the policy they could receive a cash sum pay out if a valid claim is made. There are many options for different life assurance policies and Safe Hands are able to explain your options and provide you with policy details and quotes for those that meet your needs.

Critical/Serious Illness Cover

Nowadays, many medical conditions are severe enough to impair or prevent working, but medical advances ensure our survival, albeit possibly with a lower quality of life. Having critical or serious illness cover can help you maintain your lifestyle or provide a lump sum that can be used for getting access to private medical treatment. It can help take the stress out of an already difficult situation meaning you can concentrate on getting well without the need to worry about covering your bills.

Income Protection

Income protection insurance is designed to give you some cover if you can’t earn an income for reasons such as sickness, injury or redundancy.

The consequences of loss of income are significant and could produce many different problems and needs such as a need to repay loans, reduction in standard of living, special nursing and alterations to your home to help insure you can stay there for as long as possible.

If something happened to you would you be able to survive on savings, or on sick pay from work? If not, you’ll need some other way to keep paying the bills and you might want to consider income protection insurance.

Whole of Life Insurance

Whole of Life is a form of life insurance that is guaranteed to pay out a sum of money when you die or are diagnosed with a terminal illness. It can help among other things to pay for funeral expenses, Inheritance Tax, business protection and help protect your family’s standard of living.

Unlike term assurance where is you don’t die within the term you don’t get a pay out, with Whole of Life you are guaranteed to be paid the agreed sum of money in the event of death as long as you have maintained your premiums as per the agreement.

Buildings & Contents

We are able to offer buildings and contents cover from a range of providers saving you the hassle of obtaining numerous quotes and putting the protection in place.