We will go through your individual situation and find the right combination of cover for you whether you want to cover your mortgage, ensure that your children and dependants are cared for or if you want to protect your income in the event of you being unable to work through ill health. We offer:
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Life insurance – to provide a lump sum or monthly payments if you die
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Critical illness cover – pays a lump sum if you are diagnosed with an illness covered by the policy
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Income protection – to provide you with a regular income if you are unable to work
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Whole of life cover – paid throughout your life and provides a lump sum to your family when you die
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Plans are as individual as you are, so the cover and cost depend on several variables including your age, number of dependants and lifestyle. We will begin by discussing your circumstances so that we can get a clear idea of your needs and concerns. This will ensure we get the right plan in place for you.
The right personal protection insurance can look after your immediate and long-term financial needs in a time of hardship. Together with our tailored advice, we will create the right plan to ensure that you, your loved ones, and your home are looked after.
Life Assurance
We can’t help you to protect your family against the emotional impact of your death, but we can help you to ensure that they would be able to cope financially.
Life insurance can be used to:
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Pay rent and bills
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Repay a large debt such as a mortgage
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Provide money for your family to protect their lifestyle
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Pay for your funeral
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Repay smaller debts such as loans, finance agreements and credit cards
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Fund childcare, school fees or university costs
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Replace lost child maintenance
Life insurance is there to enable you to protect those you love in the event of your death within the policy term. It can pay out a lump sum or a regular income to your family.
Free Trust
Every Life policy taken out with Julian Mace & Associates has the option to have a free trust set up for you if you wish to do so.
Critical Illness Cover
Suffering from a critical illness or long term disability is not only emotionally devastating but can be financially devastating as well. Nobody can stop it from happening to them or their family, but if it does, you can ensure that money would be one less thing to worry about.
Critical Illness Cover can be used to:
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Repay a mortgage
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Repay loans and credit card debt
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Pay out a lump sum to help with bills and regular outgoings while you concentrate on your recovery
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Pay for private medical treatment
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Pay for help in the home, help with childcare or specialist equipment
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Take some much needed time out
Critical illness cover is normally designed to pay out a lump sum in the event of the insured person(s) being diagnosed with one of the specified serious illnesses listed on their policy, within the term of that policy. The most common claims are for cancer, heart attack and stroke, however many other conditions are also covered and if you have children, we can cover them as well.
The range of options available can be bewildering, from insurers offering budget cover to those offering a huge range of enhanced payments. We are experienced in discussing and explaining clearly the options available to our clients to ensure you have the correct cover.
Income Protection
Income protection does exactly what it says…
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It protects your income.
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Many people receive little or no sick pay from their employer and the self-employed receive nothing.
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Can you survive on Statutory Sick Pay?*
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Income Protection provides a tax free income to protect you and your family if your income stops due to illness or injury.
We will discuss any benefits you may already have including from your employer and will advise you on the best cover to suit your requirements within your budget.
*Please be aware that by clicking onto the above link you are leaving Julian Mace & Associates website. Please note that neither Julian Mace & Associates nor PRIMIS are responsible for the accuracy of the information contained within the linked site accessible from this page.
Contact us now for Fee Free Protection Advice
Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
