Understand
We will look at your current protection and identify any gaps you may have in protecting yourself and loved ones.
People spend more on their pet, car and home insurance than they do protecting their income, lifestyle and life.
If you have a mortgage, people who depend on your income, or you want to protect your lifestyle in the event of illness, there is a solution available that could help you and your family avoid running into financial difficulties.
We will look at your current protection and identify any gaps you may have in protecting yourself and loved ones.
We will recommend alternative products which provide better protection, and compare the costs of putting these improved protections in place.
We will source you the most comprehensive protection at a cost that you are happy to pay and maintain.
We regularly review your protection to see if we can improve what you have or even reduce the cost of what you have.
Unexpected challenges happen that have dramatic impact on the way we live our lives. That’s why it's so important that you and your family have comprehensive plans in place.
Nobody likes to imagine the worst happening, but sometimes the difficult questions need to be considered. If you were to die, would your loved ones be able to maintain their current lifestyle without your income? If not, then a lump sum life assurance payment could be the answer, helping your family to continue living in the way they’re accustomed to at a very difficult time.
Eames Laurie can help provide a comprehensive review of your current insurance policies and make sure you’ve got the cover in place at a price you can afford.
A protection policy could help to pay off your mortgage, maintain you or your family’s lifestyle, pay for childcare, cover school or university fees and pay for specialist nursing support.
Life Insurance provides financial security for the people who depend on you, should you die.
Critical Illness Insurance pays out a tax-free lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions. It often comes as an addition to a Life Insurance policy.
Income protection insurance pays out a regular, tax-free sum (a percentage of your monthly income), if you’re unable to work due to illness or injury.
The average home contains £35,000 worth of contents* so it’s important that you get the right level of insurance cover.
Home contents insurance protects your goods and personal possessions, such as electrical goods, jewellery, clothes and furniture. You can usually add various options to your contents insurance that will provide additional cover, including accidental damage cover and cover for possessions outside of the home too.
*www.confused.com/home-insurance/contents
As a business owner, you are critical to the success of your organisation. But if you, or your co-owner(s) were to become seriously ill or die, it could lead to serious problems with the ownership of your business. The good news is, with sound financial planning, these scenarios can be addressed and planned for.
A Relevant Life Plan is a death-in-service benefit taken out by a company on behalf of an employee. This type of policy pays a lump sum if the employee dies during the term of their employment. More often than not, a Relevant Life Plan also provides a payout if the employee is diagnosed with a terminal illness.
You may already have life and protection insurance in place, but it’s always worth reviewing your policies to ensure the type and amount of cover provided still matches your personal circumstances. Eames Laurie can quickly help you calculate an appropriate level of cover by considering things like:
The higher the level of cover you decide you need, the more it will cost. Your age, medical history and occupation are among the other factors that will also have an effect.
