LIFE POLICIES

 LIFE INSURED POLICIES

FULL FINANCIAL PLANNING

PEACE OF MIND

B&C are proud to announce that we have engaged the services of Martine, who deals with all of our Financial Planning Arrangements.  She has access to numerous companies who provide these various policies, in order to get the best fit for your requirements - both Personal and Business Policies.  If you are looking for any of the following protection, please just simply press the Contact Us button below and complete the form, or call B&C on 0333 567 1286 and we will be able to assist you. 

Personal Protection Policies:

Life insurance - This will pay out a tax free lump sum in the event of the death of a loved one. It covers any cause of death anywhere in the world. Terminal illness cover is included so the policy will pay out early if the policy holder is diagnosed with less than 12 months to live. 

Mortgage protection – A life insurance or critical illness policy designed to pay out a lump sum to clear the remaining balance of the mortgage in the event of the death or critical illness diagnosis of the policy holder. 

Critical illness cover - This provides a lump sum tax free payment upon diagnosis of certain illness’s or disabilities. These are usually long term and very serious conditions but nowadays recovery is possible. The top claims are for: Cancer, Heart Attacks , Strokes and Multiple Sclerosis,  however, providers do cover for over 40 conditions.  

Income protection - This provides the policy holder with a regular income if they cannot work due to illness or injury and the payment continues until they return to work or retire. This is sometimes referred to as permanent health insurance. 

Home insurance – Buildings and contents cover. This covers the cost of repairing the damage caused to the structure of a property and the possessions within it. This policy can be paid monthly or annually. 

Business Protection Policies:

Relevant Life Cover - A tax efficient alternative to a “death in service” benefit available for key employees. This allows the family to benefit from a cash lump sum if they pass away whilst working for the company. These policies can often be transferred if someone leaves the company to normal life insurance policies.  

Executive Income Protection - A specialist income protection that covers both salary and dividends which is paid for by the business. This allows the employee to receive an income from the business if they are unable to work due to illness or injury. 

Shareholder Protection – This provides shareholders with the funds to buy shares from each other if one of them dies. 

Business Loan Protection – Life Insurance or Critical Illness cover written on the life of key individuals of the business so that the money paid upon a claim can be used to repay business debt or loans. 

Key Person Insurance - This is a policy taken out by a business to insure their most valuable employees. A lump sum is paid to the business upon their death or critical illness diagnosis to cover the costs of replacing staff or replacing profits lost. 

Private Private Medical Insurance - Covers the cost of private healthcare. This can assist with quicker diagnosis of conditions leading to the correct treatment with the best specialists. This policy is paid for annually. 




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