Protection

We can provide advice and recommendations on all aspects of protection - whether this is to safeguard your family in the event of death, cover for a mortgage, or for business protection.  

  Cover in the event of death

If you were to die, how would your partner support the children, or pay the mortgage on a reduced income ?

 Most people need life assurance but it becomes vital if you have a partner and children.  A life cover policy could provide a valuable lump sum. 

   Long term Illness

It is a fact that you are more likely to suffer a critical or long-term illness than die during the term of your mortgage.  When long term illness or serious injury occurs it can often bring regular income to a halt.

How would you continue to pay your mortgage or other household bills ?
 
Statutory sick pay or other State benefits are unlikely to meet your needs, but there are insurance plans available to provide benefits if you are unable to work as a result of illness or injury.

  Business Protection

When you are running your own business it is essential to consider the financial implications to you and your business partners if the worst happens and you are unable to continue working. Consider the needs for Shareholder Protection, Partnership Protection, Key Man protection, and you can see the need for specialist advice is paramount.

At Premier we have Advisers who specialise in both Personal and Business planning.

  Long Term Care

You may be enjoying a healthy life right now, but how many people do you know, whose health has suddenly deteriorated.

Health issues can range from accidents at work or in everyday life, to changes in your general health due to diagnosis of a medical condition.

What would happen if your general state of health suddenly deteriorated?    What would happen if you could no longer look after yourself?

At Premier we provide financial advice for long-term care, covering the worries for permanent conditions such as degenerative illnesses, strokes or dementia. Care could mean help with activities such as washing, dressing or eating, either in your own home or in a care home (residential or nursing).

If you do not qualify for help from your Local Health Authority, you will have to pay towards the cost of care out of your own income and savings (potentially even having to sell your own home to meet the costs).

At Premier, our qualified Advisers can provide the best financial advice to meet the cost of long-term care.

If you require further information or advice on any aspect of protection or long term care, please contact us.