Health Protection plans get you back on your feet with fast, effective private medical treatment.

Nobody particularly likes to think about what will happen if they die, but it’s important to consider the implications if you have people who depend on you financially. How would they cope with living expenses, university fees and childcare if you passed away?

If you’re applying for a mortgage now, your IFA will no doubt try to offer you a life insurance product to protect it, but this is unlikely to be the cheapest option as they have a captive customer and therefore are not motivated to offer the best prices and coverage, most will only have one insurer which will also limit them to a single quote. Furthermore, the cover that you are offered may only cover your mortgage, not taking into account your funeral expenses and on-going living expenses for your family.

We will source your life insurance policy from a selection of top insurance providers to get the best possible value for the most beneficial product.

LifeSecure expert advisor’s are waiting to advise you on different policy options tailored to you and your family, we will get you the best we possibly can of what is available in the market.

Our Family Protection Plans are built on what is called “Term Insurance”. This allows you to pay a monthly amount for a set period – say 20 years. If you die during this time, your policy will pay out a lump sum. We use two distinct types of Family Protection depending on your specific needs.

With this option your policy will pay out a tax free lump sum to your family. LifeSecure will advise you on the correct amount of cover for you by taking into account your mortgage, family living expenses, funeral costs and a variety of other options from which you can choose. A lump sum payment provides security as well as flexibility to your family to use the funds according to their investment needs at the time.

Depending on your particular circumstances it may be suitable to arrange a monthly tax free payment to your family after you are gone. You can arrange for regular help with long term expenses such as school and university fees or provide cover for your children while they grow up. Complex investment decisions can be avoided and you can maintain the sense of normality with respect to the family income.

LifeSecure can arrange a combination of lump sum and regular payments. This provides the best of both options – a lump sum followed by regular income for your family.

As part of the LifeSecure Promise all of our plans come with a guaranteed premium. This means after you take a policy we promise to NEVER increase your monthly insurance premium unless you specifically ask us to change the terms of your policy. Additionally we will constantly scan the market and if we find that we can bring your premium down, we will contact you to let you know that we can save you even more.

Family Protection is specifically designed to cover the full range of your family expenses such as household bills, childcare, school fees and household shopping. To ensure that your family and their home is fully protected we can combine our Family Protection plans with our Mortgage Protection plans. You may also want to consider circumstances where you are diagnosed with an illness, or suffer an injury that means you can’t continue to work. In the current tough economic climate you may be concerned about your ability to pay your mortgage should you be unable to work due to illness. Our advisors can inform you on how to combine Family Protection plans with Income Protection and Critical Illness Protection plans.