Life Insurance

Life insurance is a simple protection product which is designed to pay out a lump sum, should you decease during the life of your plan. The benefit payment is paid to your loved ones to help them cope financially during such difficult times.

When set-up correctly,  the benefit payment is paid out tax-free to your beneficiaries to use however they see fit. It could be used to pay off a mortgage, any outstanding loans or just to help with everyday financial commitments whilst family life resumes.

There are different types of life insurance to consider depending on your circumstances, so it’s best to do your research. The three most common are:

  • Level life insurance
  • Decreasing life insurance
  • Whole of life insurance

Other key considerations are whether you are taking out the policy as an individual or a couple (known as joint life insurance) and whether you want some level of protection against serious illness (including critical illness cover).

Income Protection

How would you pay the bills if you were sick or accidentally injured and couldn’t work?

An income protection insurance policy can be affordable and easy-to-arrange; helping to give peace of mind to you and your family.

It provides:

  • An income to help replace any loss of earnings due to ill health or accidental injury

  • Continued benefit if you go back to work in a reduced capacity, with a reduced salary

  • Tax free payments under the current rules, although this might change in the future

  • Income Protection Policies have no cash-in value at any time

There are other providers of Payment Protection Insurance (Short-Term Income Protection) and other products designed to protect you against loss of income. For impartial information about insurance, please visit this website.

To make an appointment, please call us on

        Stockport :   0161 870 6005

         Warrington:   01925 351500