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What would happen to your loved ones should you die, become seriously ill or have an accident?
Achieving your financial goals means that you have not only thought about this aspect of your finances but also put in place protection for you, your family, your loved ones or partners in your business.
It’s true that there are a limited number of insurers in Jersey who can offer Jersey residents the type of insurance cover that is needed. We have excellent relationships with the insurers available, and your adviser will work with you on the best solution for you based on your needs and affordability.
We are completely independent and not tied to any insurance company, ensuring we source the most appropriate product to meet your requirements. We search the entire marketplace to offer quotes for life insurance, critical illness, mortgage protection and income protection.
With our long-established contacts within the industry, we have the ability to negotiate policy terms on new and renewal of insurance contracts.
Life insurance, protecting your family and your legacy
If you die, life insurance pays a tax-free lump sum, to provide financial support for the people who depend on you financially, like your spouse or partner and children (your dependants).
We can source a variety of solutions to tailor for specific client needs and circumstances. Policies can cover an individual person, joint lives of joint lives with payment on the second death.
The amount of cover available will be dependent on individual circumstances; however, we can quote on either a budgetary amount or on a sum assured basis over a specified term.
Critical illness insurance
Provides cover if you get one of the specified critical illnesses covered by your policy.
It is designed to pay out a lump sum if you are unfortunate enough to suffer from any of the specified critical illnesses but survive for a period of time after diagnosis (normally 28 days). The lump-sum could be used to pay for things like nursing care, home-help, adapting your house to accommodate a disability; it could pay off your mortgage or give you a holiday to recover from treatment.
Critical illnesses usually include cancer, heart attack, kidney failure, multiple sclerosis, major organ transplant, and strokes. These are known as core conditions and account for the majority of claims. The range of conditions covered varies enormously and details regarding what will and will not be covered will be fully explained to you by our experienced advisers, with supporting documentation available to keep you informed.
Mostly sold alongside a life insurance policy, it can also be a separate policy. Our advisers will discuss your requirements in confidence and advise you on the most suitable cover to protect your financial goals.
Income protection insurance
This is designed to provide financial support if you cannot work due to illness or injury and your income drops. It is particularly relevant for anyone self-employed who wouldn’t get sick pay.