Protection

Life Cover

It is a sad fact that in the UK we seem to spend more on protecting our pets and mobile phone that we do our families.

Life assurance gives you the peace of mind that, should the worst happen to you, your family will be financially protected when you’re gone.

Smart Independent Financial Advice will tailor their advice to your individual circumstances and budget to make sure you receive the most suitable life cover policy to protect your family, mortgages and wealth.

Income Protection

We believe that not only is it important to set up an appropriate financial plan, but to protect your financial plan should you become unable to work due to illness or injury.

State benefits might not be enough to replace your income if something goes wrong and you can’t work because of long-term sickness or disability.

Income protection cover is designed to provide you with a monthly tax-free income if you are injured or too ill to work, resulting in a loss of earnings. This income can be used to ensure not only are your mortgage payments are made but also contribute towards your everyday expenses, and so you do not have to encash your investment, when it may not be the best time to do so.

Critical Illness

Critical illness cover is often arranged with life cover, it is designed to help protect you from the financial hardship that a serious illness can cause.

A tax-free lump sum will be paid if you are diagnosed with any one of a number of specified illnesses. It can be used to repay all or part of your mortgage, pay for home alterations or specialist equipment. it can help the costs of private treatment, whatever you decide. For a relatively small premium, a critical illness policy could take away all of your financial concerns if you were diagnosed with a serious illness, helping you focus on what really matters - getting better.