Hearnden Associates - Independent Financial Advisers

Protection

Whether you need cover in place to ensure that you can keep up mortgage repayments or you are looking for life, health and critical illness insurance for you and your family, we can help you arrange policies that will give you peace of mind.

Although no-one likes to think about death and illness, it is important to have cover in place to eliminate additional financial worries in such an event. We offer advice on a range of protection products to cater to your individual needs.

Life assurance provides a lump sum of money when you die to repay your debts and leave an additional amount to relieve the financial burden on your family. We can calculate the right product and amount of cover for your circumstances.

Critical illness cover provides a lump sum on diagnosis of a critical illness which could repay your mortgage, replace your income, or pay for medical expenses and any other costs. This type of cover can be arranged as a stand- alone policy or as add-on cover for life assurance.

Income protection insurance provides a permanent income in the event of long term illness. This income is paid until your chosen retirement date for as long as you are unable to return to work due to ill health.

Buildings and contents insurance provides cover for your home and belongings. Please note that we can only offer products from a limited number of insurers for buildings and contents insurance. Ask us for a list of the insurers we offer insurance from.

Private medical insurance can be complicated as there are many levels of benefit and cover available. We can find you competitive quotes and help you make sure that you know exactly what you are covered for.

Mortgage payment protection insurance protects your mortgage payments and related costs in the event of illness or an accident preventing you from working, or in the event of being made redundant. Please note that we can only offer products from a limited number of insurers for mortgage payment protection insurance. Ask us for a list of the insurers we offer insurance from.

If you would like further details or a quotation for any of the above types of cover, please contact us.