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  • We are independent financial advisers specialising in mortgages, protection and insurance services.

    Life Insurance and Income Protection is a protection product which helps to provide financial security and cover to your dependents, family and loved one’s in the unfortunate event of death. The said money that is paid out as a claim from the policy, can be very useful to the dependents to continue the lifestyle they are used to. The funds received can replace a loss of income and could be used to pay off debts like Mortgages, which can reduce a huge financial burden.

    The policy holder will have to pay a monthly premium for the duration of the policy term, the amount of premium to be paid is dependent on several factors like age, health and lifestyle.

    Term assurance is a cover where there is a fixed term to the policy and if the policy holder were to die within the term of the policy, then the claim would pay out to the beneficiaries. However, if the policy holder survives beyond the set fixed term, the policy would lapse at the end of the term and there wouldn’t be any pay out.

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