LIFE INSURANCE IN SHREWSBURY, TELFORD AND THROUGHOUT SHROPSHIRE
It is easy to think that you will always be there to take care of your family, protecting and providing for their needs. However, it is something you cannot always guarantee. You do have the option to help secure your family's financial future and by selecting the right life protection you can help protect it. Life cover is designed to help protect the people that matter to you most.
FAMILY LIFE INSURANCE
Family life insurance is a way of providing financial protection for your loved ones against the financial outcomes of an unexpected death. There are various types of policies available that can be chosen for your specific needs. The amount of cover you need should take into consideration any financial commitments there may be, such as mortgage payments, loans and other regular expenses.
UNDERSTAND YOUR OPTIONS
There are generally two main types of mortgages. Interest-only ensures the outstanding balance remains approximately the same throughout the mortgage term. This can be protected by mortgage level life assurance. This provides an amount of life cover for you that remains the same throughout the term.
With capital and interest the outstanding balance usually reduces each year. This can be protected by mortgage decreasing life assurance, which provides an amount of life cover that will decrease over the policy term.
COMMERCIAL AND BUSINESS INSURANCE
Commercial and Business insurance
Shop, office, restaurant and pub, clubs and nightclubs, office at home, professional indemnity, product, employers and public liability, commercial legal expenses, keyman and directors, business interruption, farm and agriculture, loss of licence, stock material damage, every type of commercial and business insurance cover available.
PROFESSIONAL INDEMNITY INSURANCE
Protects you if a client makes a claim against you due to problems with work you have done for them
Profession-specific policies designed to cover the risks you face in your industry
Flexible policies so you can change your level of cover at any time to suit the projects you're working on
PUBLIC AND EMPLOYERS' LIABILITY INSURANCE
Covers you when you have to pay compensation for an accident and your business is at fault
Protection for claims made by a client, contractor, member of the public or an employee
Protection both within and outside the workplace
PRIVATE MEDICAL INSURANCE
Private medical insurance is normally seen as a necessity by many people to ensure they get to choose when, where and with whom they are treated, rather than accept the vagaries of NHS care. Many ailments can be ‘nipped in the bud’ if promptly and effectively treated rather than causing longer recovery times if ignored or when waiting times for access to consultants are taken into account. Care and cost levels vary enormously, making it imperative that you utilise an experienced brokerage to secure the most suitable cover at the right cost for your budget.
Good health is important to us all and when illness does strike it is often unexpected. Although the NHS offers excellent service for emergency treatment, public demand means you may experience some delay, especially for non-urgent treatment.
With private medical insurance you will always have the comfort of knowing that, should you, or members of your family become ill, the condition can be treated quickly, by a specialist in a private hospital close to home, in comfortable surroundings.
Accommodation in a private hospital...
Usually means your own room, almost always with a telephone, TV, radio and en-suite bathroom. You'll enjoy a choice of food and drink and, as there are normally no restrictions to visitors, you can keep in contact with your friends, family and business colleagues.
Remember, we are independent...
And we can therefore help you find the best plan for your particular needs. Interfinancial has access to the whole market and can offer a range of highly competitive individual and family plans to suit your requirements and your budget.
WHY SHOULD YOU CHOOSE MORTGAGE PAYMENT PROTECTION?
Mortgage payment protection covers your mortgage related payments whenever you find yourself unable to work for an extended period. This could be due to accident, sickness or simply losing your job. Expenses covered include mortgage payments, life insurance premiums, buildings and contents insurance premiums and payments on any endowment policies you may have.