Protection
Why Use Us?
Benefits
Source from the whole of the market .We are not tied to any one provider or quote from a panel of insurers.Experts
Experienced advisers most of whom are Fully FPC qualified.
Life Insurance today is an essential must-have to secure the future of your family or if an unexpected life event happens. However, there are several life insurance products available with many options.
It is important to consider your budget when getting a life insurance, to make sure the policy is right for your needs and affordable over the longer term and you may prefer to choose from different options offered by the insurance company, However, sometimes all those options can be quite daunting.
At Integrity IFA we are on hand to sit down with you and discuss all your requirements and needs, this advice may prove invaluable when protecting the important things in your life, “your family”.
We can help you deal with the ‘what ifs’ in life such as illness, injury or even death. However, by thinking about these things you can plan ahead giving you peace of mind that you and your family will be looked after financially should anything happen.
You can source these products by clicking the link below:
Types of Insurance Available;
Level Term Insurance
The most basic life insurance. A fixed term and amount of cover agreed at outset. Pays out on the death of the life assured . Typically a tax free lump sum. Critical illness can be added if required. Often sold on premium however every policy has different conditions for example Friends Life offer "Best Doctor" , Prudential offer "Lifestyle Benefits" like half price gym membership. Independent financial advice is crucial before purchasing this type of insurance.Whole of Life Assurance
This policy pays out on the death of the policyholder during the" whole of your life" .Used mainly to cover funeral costs and inheritance tax liabilities. Different payment terms are available, some contracts run until age 80 some throughout the whole of your life.Independent financial advice is crucial when purchasing this type of life cover.Income Protection
A policy designed to replace income on the death of the policyholder during the term of the policy, Level Term and CriticaI Illness Cover can also be added.Critical Illness
A policy that pays out if you suffer one of the specified illnesses on the policy. Life insurance is normally also included it usually runs for a specified term set at outset. The terms and conditions can vary hugely between providers this is certainly a product that requires advice from an independent adviserMortgage Protection
This policy is designed to cover a mortgage loan. There are different types including one where the cover decreases as the mortgage loan decreases. It is mainly life cover and can also include critical illness insurance.Accident, Sickness & Unemployment
A plan designed to cover if you suffer an accident , sickness or unemployment. It pays out an agreed payment to help cover the loss of earnings. Is bought mainly to cover a mortgage and the cost of living .Key Man Insurance
A life and critical illness plan designed for key employees in a business. The plan would pay out on the death or serious illness of the employee to help the business with the impact of losing a key employee.Business Protection
A policy similar to Keyman but used to cover loans and shareholdings for example to ensure the business and their families don't suffer financially on the death or serious of the insured.
