Protection & Health
No one knows what is around the corner, but having the correct protection in place can make a real difference, ensuring you are covered in the event of accident, illness or death.
Our protection needs change throughout life as a result of life events such as house purchase, marriage, having children, divorce and retirement. A wide range of policies are available, offering you protection against virtually all eventualities. We can advise on the best option for you, based on your personal situation and individual requirements.
Whilst many people consider covering the main earner is the priority, the contribution of a housewife/husband, and the costs involved in organising childcare should never be forgotten.
Life Assurance can ensure that your family is financially secure in the event of your death and that loans and mortgages can be repaid as well as providing capital to meet household bills.
Critical Illness pays out a lump sum if you are diagnosed with serious illness such as heart attack, cancer or stroke. Although we are more likely to recover from a serious illness these days, it could have severe financial consequences for you and your family. The lump sum provided could be used to repay your mortgage or for other purposes such as house adaptations, replacement earnings and can ease the pressure at an already worrying time.
Income Protection provides a replacement income if you are unable to work or due to illness or accident. Most employers provide sick pay for a limited time only, and very few indefinitely. These policies generally start paying after a deferred period, and continue until you retire or recover and are able to return to work. It is also possible to cover housewives/husbands in the event they are unable to perform a number of defined activities of daily living such as washing, dressing etc.
Private Medical Insurance provides private healthcare for routine treatment and operations, enabling you to by-pass long NHS queues. This enables you to choose when and where you wish to have treatment. With access to leading private medical insurers, we can advise on the best policy for your needs, based on your individual circumstances, ensuring you benefit from a competitive premium.
We will first review any existing policies you may have, checking the level of cover and cost, as well as assessing if they are still suitable and relevant for your needs. We will then research the various providers and products before recommending any additional or alternative policies to meet your requirements, and any suitable trusts to ensure the right beneficiaries receive the monies as quickly as possible.
Contact Woodward Markwell
Please call us on 01473 408422 or click above to email and we will respond to your enquiry as soon as possible.