Protection

Protecting you, your family and your health

LOREM IPSUM DOLOR

 

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EXPLORE OUR IDEAS

 

If you don't know what you need

DON'T LEAVE IT FOR ANOTHER DAY

 

You don't know if or when something will happen, so if you think you need protection contact us TODAY. Peace of mind is just a click away.

 

Nobody likes to think of the worst or what could happen if things went wrong. But what would happen if you were unable to work, due to long term illness or disability?

 

How would you pay your mortgage or meet your other monthly commitments? How would your partner meet the monthly mortgage payments, in the event of your death or the diagnosis of you becoming critically ill?

 

These are things you really should be mindful of and failure to meet monthly mortgage repayments could result in mortgage lenders repossessing your home.

 

WHAT CAN WE DO TO HELP?

 

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OUR HISTORY

 

Just Insure It is here to ensure that you get the right cover at an affordable price!

We can discuss with you:

1. How much life insurance you need.

2. How long you want the cover for.

3. What the right type of life insurance is for you.

Below are brief descriptions of different types of life insurance.

Whatever policy you choose, you should always consider putting your policy in Trust.

 

Level Term Assurance (with or without Critical Illness cover)- fixed premiums for a number of years and a full payout on claim at any point during the term.

 

Mortgage Protection Assurance, also known as Decreasing term assurance (with or without Critical Illness cover) - life assurance where the lump sum reduces in line with the outstanding mortgage balance over the term of the loan.

 

Renewable Term Assurance - a short term policy and therefore cheaper initially, and commonly used for protecting Company Directors. Importantly, it can be renewed without further medical evidence.

Family Income Benefit - instead of paying out a lump sum, this type of cover provides a tax-free annual income (can be paid monthly) until the end of the term specified at outset. This is used to replace the regular income that the deceased used to bring home.

Call us now on01708 206231 or contact us

 

 

Sickness & Unemployment

Sickness, Unemployment & Income Protection

Protecting your Income or Mortgage/Credit Payments

Payment protection insurance (PPI) covers regular payments you make on borrowing or credit if you can't work due to an accident, sickness or unemployment. Income protection pays a regular income in these circumstances. These policies are sometimes called ASU (accident, sickness and unemployment) insurance. Premiums can be high.

Payments covered by Payment Protection Insurance (PPI)

Depending on the policy PPI may cover repayments (or a percentage of them) on:

•a mortgage

•a loan

•credit/store cards

•catalogue payments

Bear in mind that most PPI policies don't pay out right away, and most have limitations and exclusions. For example, they will often only pay out for a limited period. Find out more on the Financial Services Authority (FSA) website:

More about payment protection insurance on the FSA website (opens new window)

Income Protection Insurance or (PHI)

Income protection insurance, also known as Permanent Health Insurance (PHI) aims to pays out an income that equates to your after-tax earnings (less an adjustment for State benefits) if you become unable to work due to an accident, sickness or unemployment. As with PPI most policies don't pay out right away, and most have limitations and exclusions. There is no payout in the event of unemployment or redundancy.

We can compare quotes from leading insurers to obtain extremely competitive premiums.

Call us now on 0845 224 0036 or complete the short Quote Request Form

 

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