It’s one of those horrible facts of life that things can happen to you that affect the security of those closest to you. Making sure they’re able to cope financially if you’re incapacitated or no longer around will give you peace of mind and reassurance for the future. Crawford Mulholland can help you get the right protection and insurance cover. We are insurance advisors who have access to a selected range of providers and products. We’ll listen to your needs, and offer you advice and recommendations. Our expertise includes the following.
Life cover is designed to pay out a lump sum if you die during the policy term. The amount of life cover selected will either remain level throughout your selected plan term or decrease in line with the mortgage.
Critical Illness cover will pay you a lump sum should you be diagnosed with any one of a wide range of critical illnesses, the main three being some forms of cancer, stroke and heart attack. This is commonly taken out along with a life insurance policy.
Income protection is a plan that pays out if, during the policy term, you can’t work and suffer a loss of earnings due to illness or injury. It’s a sad fact of life that an individual’s outgoings don’t necessarily stop if their income did. Income protection usually pays out until retirement, death or your return to work.
Family Income Benefit is a life insurance policy which offers financial protection in the event of your early death if your family, or others, are dependent on your earnings. As opposed to providing a lump sum upon death during the policy term, it provides a regular tax-free income for your dependants for the remainder of the policy term.
Private medical insurance (PMI) is an insurance policy designed to meet some or all of the costs of private medical treatment. It allows a person to get prompt, private treatment, so they can return to doing what they love.
Buildings insurance covers the structure of the property such as the roof, walls, windows and fixtures and fittings such as fitted kitchens and bathroom suites. Contents insurance covers the contents of your home and most things that you would usually take with you if you move home such as furniture, furnishings and personal belongings.
As a landlord, protecting your home from potential damages is imperative and is a prime reason why building insurance is essential. It’s worth considering taking out contents insurance should you decided to furnish the property yourself, as some insurance providers offer both building and contents insurance as one package.
Call us now on 02890 665544 to set up an appointment