Critical Illness cover is designed to help you cope with the financial implications of suffering the kind of illnesses that can change the way you live the rest of your life. It can be arranged to pay a regular monthly amount or a lump sum if you are diagnosed with a specified illness within the terms of the policy.
Unlike other insurance that is linked to your ability to work and acts as a replacement if you are unable to earn an income, critical illness cover is generally designed to help you pay for the things you need after a diagnosis. This could mean changes to your home, a new car, or a paying for a carer. If you would like to know more about Critical Illness cover please call Curwins Financial and Mortgage Advisors, we are here to help.
Income Protection Insurance, also know as Permanent Health Insurance, is designed to provide you with a tax free income if you are unable to work due to an accident or illness. This insurance allows you to concentrate on getting better rather than worrying about how you are going to pay your bills.
You can generally cover up to 60% of your current income, although this does vary between insurers. Some insurers also link their payments to the Retail Prices Index, keeping pace with the true cost of living. If you would like to know more about Income Protection cover please call Curwins Financial and Mortgage Advisors, here to help
Life insurance is an affordable way to protect your family's lifestyle and give them a secure future if you're no longer around. You can choose the level of cover required. If you die, your insurance policy will pay out a lump sum or regular income for the amount you insure yourself for.
Anyone with family and financial obligations shouldn't think 'do I need it?' but rather 'what kind and how much?' Different life insurance policies suit different needs, and for that reason we take the time to learn about you and offer the most appropriate Life Protection for your individual set of circumstance. If you would like to know more about Life Protection cover please call Curwins Financial and Mortgage Advisors, here to help
Your property may be repossessed if you do not keep up repayments on your mortgage. Typically, we charge a fee of £250 for residential mortgages, however the actual fee will depend on your circumstances and will not exceed £500.
