Nobody wants to think about death however it is important to keep you and your family protected should there be an unexpected death
In the Uk we are incredibly lucky to have the NHS however health insurance allows you the luxury of beating long waiting lists should you become unwell.
What would happen if you were suddenly off your work unable to earn money. Could you survice on statutory sick pay? If not lets get protected.
Critical illness cover pays out a lump sum should you ever become unwell with a long list of illnesses to allow your family to adjust .
Life Insurance Glasgow: Knight protection are a specialist broker helping families across Glasgow and the central belt of Scotland cover themselves against foreseen accidents and deaths through life, health, protection and critical illness cover. Every year there are young families who suddenly die leaving behind a partner and children who would struggle financially without appropriate cover in place to make sure no matter what happens they will be taken care of. If your partner were to pass away would you, without compromising on your lifestyle would you be able to manage with just one salary in the house? if not it is important to put cover in place, we can offer a whole range of insurance packages to keep you safe to suit any budget.
Life insurance is a type of cover where a pre-defined amount of money is paid out should there be a death of a covered person. The insurance is usually paid out as a cash lump sum and can help ease any financial stress from losing a family member.
Health insurance or private medical insurance as some people call it is a type of insurance that covers the cost of private health care. Health insurance gives access to treatment much faster than NHS waiting lists and can give access to specialists and referrals to treat and issues you may have.
Protection insurance provides insurance cover in the event you become sick and unable to work, you will be paid a % of your monthly wages until you are able to return to work. If your monthly outgoings mean you can’t afford to be off your work, then you can’t afford to not have protection insurance. Let us give you a free consultation and free quote.
Critical Illness cover pays out a cash lump sum should you become seriously unwell, each policy will have a list of sicknesses that your policy will pay out on. Most policies will also pay out an amount of money if your kids become unwell.
If you haven’t reviewed your cover in a while you are doing yourself a disservice, Insurance is ever changing and the illnesses the insurance will pay out on is updated all the time. We suggest reviewing your cover at least anually.
Insurance is a cut throat business, because it is super competitive there is always opportunities to move provider and either pay less or get more cover for the same money. Let us do the work for you and review your cover.
Things change, for many people what they do one year may be completely different a year or two later. If you have quit smoking or lost weight etc you may find your premiums will go down because you are living a healthier life and less likely to claim.
If you have bought a new home it is worth reviewing your cover to make sure, that in the event you died your family would have enough money to cover the cost of the mortgage and ideally cover the costs of your current lifestyle.
In an ideal world if you were to die, your family should be no worse off, so a simple calculation would be your current salary * the amount of years until your kids are no longer financially reliant on your partner. You could also look at the value of any liabilities and then add a lump sum on top, our advisors would then run the numbers and we could add on or take off cover until we reached an amount you are comfortable paying each month.
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