Other Insurance

Most of us do not like to contemplate death, but we are all going to face it. The impact on family and friends is not just emotional but also financial.

Life Insurance

The emotional impact of losing a loved one is difficult enough to deal with without worrying about the cost of living.
One way of securing your family’s financial future is to invest in a good life insurance policy which can go a long way to help avoid any added stress at a time of emotional turmoil.

What Is Life Insurance?

A life insurance policy is a tax-free lump sum of money paid out in the event of your death to your dependants.

How Does Life Insurance Work?

How much you pay for a life insurance policy depends on how much coverage you want and the type of policy you get. Generally, the younger and healthier you are when you buy life insurance, the cheaper it will be.
One important thing to note is that there are different types of life insurance policies that contain various benefits.

Which Life Insurance Policy Is Right For Me?

Deciding on the right life insurance policy can be confusing, but our expert equine advisors are here to help you answer the questions ‘What insurance do I need?’ And ‘How much life insurance do I need?’

Critical illness Insurance

What Is Critical Illness Insurance?

Critical illness cover provides you with a tax-free sum of money if you are diagnosed with a life-altering illness.

How Does Critical Illness Work?

The kinds of covered illnesses are usually severe long-term conditions such as heart attack, stroke, amputation or paralysis, cancer, multiple sclerosis or Parkinson’s disease.
Some insurers also offer partial payouts for profound illness definitions, such as less advanced cases of cancer.

Are My Children Covered In My Policy?

Some insurers offer additional benefits such as Children’s Critical Illness Cover, which can be free as part of a parent’s policy. Children’s critical illness covers many childhood cancers, strokes and benign brain tumours, all of which are the most claimed illnesses.

Do You Need Critical Illness Insurance?

Cancer survival rates have doubled in the last forty years, which is fantastic; however, one in two people in the UK will be diagnosed with cancer in their lifetime.

The cost of a long term illness can be financially devastating, so make time to consider how you would financially survive if you were diagnosed with a life-altering illness.

You may have life savings, be entitled to state benefits or sick pay from your employer. However, if you are working full-time or have a family to support, then these are likely to be too small to cover your outgoings.

It is also worth understanding that some long-term illnesses can mean you might not be able to carry on your previous job even after recovering.

Which Critical Illness Policy Is Right For Me?

We know it might be challenging to understand what cover is the best for you, but our expert advisors are on hand to offer fee-free advice.

Get an Equine Insurance Quote

If you have any questions about equine insurance or want a free equestrian insurance quote, please send us an email.