0208 773 7667 graeme@jadeifa.com

Protection

Protection Sutton, Surrey – Jade IFA Ltd

Protection Sutton, Surrey

Life Assurance & Protection Specialists Sutton, Surrey – Protection means different things to different clients. We might begrudge paying the premiums but one thing is for sure – if you have a problem we sure are glad it’s there! It’s easy these days to simply go online and buy a policy but are you sure you are buying the right protection policy for the right reasons? During your FREE NO OBLIGATION protection assessment, we will assess your needs and make recommendations based on your need (instead of just plucking a figure at random). We back our recommendations up with logical, carefully calculated reasons for the type of cover, the term required and sum assured.

Life Assurance

Cover on your life is called life assurance because we are all assured to die at some point, as opposed to car insurance which might result in a claim. Whether you need any cover is dependent upon your circumstances, as does how much cover you need and how long you need it for. We help you to find the best fit for your needs. Take our FREE NO OBLIGATION life cover assessment during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.

Critical Illness Cover

With advances in modern medicine you are likely to survive a critical illness these days and a very high proportion of people who suffer from such problems as cancer survive for many years after diagnosis. Of course, mortgage or rent payments still need to be met, other debts and general family expenses still need covering, as well as the potential finance necessary to adapt your home and/or your car for example. With austerity measures cutting deep into the UK benefit system over recent years (and very little likelihood of a more generous system any time soon) a monthly or one-off sum would make all the difference to the quality of life for you under these circumstances. Take our FREE NO OBLIGATION critical illness assessment during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.

Mortgage & Family Protection

Your home is at risk if you are unable to make your regular monthly payments so it is wise to protect the debt with life assurance and critical illness cover. If you die your home is paid for, but how do your family then replace the income you are currently earning? In many cases we can arrange your mortgage cover so that your family are protected too by providing additional capital and/or income. We can even provide joint plans in many cases. Take our FREE NO OBLIGATION mortgage protection meeting during which we will help you to understand your existing plans, decide whether they are still suitable for your needs and recommend any changes which might be required.

Income Protection

How do people cope financially if they find themselves unable to work as result of an accident or illness? According to research by Unum and Personnel Today, just 12% of employers support their staff for more than a year if they are off sick. Once sick pay ends (or once outstanding invoices are settled for the self-employed), they can then be reliant on State benefits. Incapacity benefit is taxable and it is based on a number of strict objective tests that are applied in deciding whether it can be claimed. Extra benefits, such as income support are only paid if the claimant’s income is very low indeed and many benefits are paid more or less at the discretion of the Department for Work and Pensions. Take our FREE NO OBLIGATION income protection assessment meeting during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.

Get in touch Today!

Give us a call today to arrange a FREE initial appointment to see how we can help!

Call 0208 773 7675 or email graeme@jadeifa.com.