The type of insurance you will need will depend on your individual circumstances and should ideally be discussed with an advisor so they can help you see with clarity your current circumstances and what you need. Let me explain, if you have a mortgage and a family but you do not have an insurance policy in place, then what would happen to your mortgage if you were to suffer from a critical illness or in the very worst case scenario pass away? These are the sorts of questions an advisor who knows what they are doing will ask, to identify the reasons why you need insurance and establish what cover is needed and how much you require. In the example above, It is ideal to ensure there is some form of mortgage protection in place if there would be no other means of being able to repay the mortgage off if the worst was to happen.
Or suppose you are self-employed and your income is very much reliant on you working, then if you don't work you don't get paid so you will need to consider how you could afford to maintain your standard of living or pay essential bills if you are unable to work. In this instance protecting your income with an income protection policy is probably the solution for you. In order to establish what is right for each individual or circumstance, a thorough discussion should be had with an advisor who can provide you with a tailored plan that works solely for you.
The insurances we offer provide individuals, families, directors and employees with financial peace of mind as well as health well-being solutions.
Finding the right insurance products tailored specifically for you is exactly what we do.
For personal protection, we can look at:
Life Insurance to protect the family or mortgage
Whole of Life insurance
Family Income Benefit
Accident policies
Income Protection
Private Medical Insurance
For Business Protection we provide the following:
Keyperson Protection
Shareholder and Partnership Protection
Executive Income Protection
Relevant Life Insurance
Employee Benefits include:
Group Life Insurance
Group Critical Illness Insurance
Group Income Protection
Group Personal Accident policies
Group Private Medical Insurance
Health and Dental Cash Plans
Would you like to find out whether you need insurance or if your existing cover or solution is still the right option for you?
Contact us at info@pearlroseinsure.co.uk and we will be more than happy to see how we can support you.
Comments