Life Insurance & Protection

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Although money can’t replace a loved one, it can help those left behind to weather the financial storm

Why Do I need Insurance?

There are many good reasons why people choose to have the right insurance, the two most common reasons are:

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Life Insurance

Life Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die.

 

Types of Life Insurance

There are different types of Life Insurance - the most appropriate type for you will depend on your circumstances. Life Insurance will pay out either a single lump sum (sum insured) or a regular income when you die.

 

  • Term Insurance - This is the simplest type of Life Insurance. You choose how long you’re covered for, eg. 20 years (the term), and the policy pays out if you die within the agreed term. You can also take out term cover as a couple, with the policy paying out on the first death only during the term. There are several different types of Term policy available, depending on your needs.
  • Family Income Benefit Insurance - This is essentially the same as Term Insurance, but instead of paying a lump sum when you die, it will pay out a regular income instead. This type of payment may be more suitable where the main purpose of the policy is to provide ongoing financial support to dependants.
  • Whole of Life Insurance - This pays out a lump sum when you die, whenever that is, as long as you are still paying the premiums.
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Critical Illness Cover

This type of cover can pay out a (tax-free) lump sum on the diagnosis of certain life-threatening or debilitating illnesses, or if you have to undergo certain types of surgery (but not fatal) conditions including heart attack, stroke, cancer and major organ transplants. This list will vary depending on the insurer, as will the exclusions for making a claim.

Critical Illness Insurance often comes as an optional addition to a Life Insurance policy, but can also be purchased on its own.

Policies usually only pay out once, so they don’t necessarily replace your regular income, but you can use the money towards medical treatment, your mortgage or anything else you choose.

Many people buy Critical Illness Insurance when they take on a major commitment, like a mortgage, or start a family. However, since we’d all like to have our financial commitments lightened if we were to suffer a serious illness or injury, the cover is relevant for most of us at any time.

If you already have Critical Illness Insurance you should think carefully before you cancel your existing policy and take out a new one.

For example, if you’ve developed any illnesses since you first took out the policy, you may lose some of the benefits when you replace it. That’s because pre-existing medical conditions may not be covered by the new policy.

Income Protection

Income Protection Insurance pays out a regular tax-free replacement income if you become unable to work because of illness, injury or, with certain policies, unemployment.

It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Policies have a waiting period before they pay out, which begins when you become unable to work. The longer the period chosen, the lower your premium. It’s a good idea to find out what your employer would pay you, and what state benefits might be available so you can choose an appropriate waiting period.

The premium you’ll pay will vary depending on your age, health and job, as well as the level of income you wish to protect.

If you become ill or suffer an injury during your working life, an Income Protection policy can help protect against any possible loss of income, and speed your return to work.

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5 STAR HOME INSURANCE EASTBOURNE

Home & Contents Insurance

Your home is more than just bricks and mortar. It's a place where memories are created, and a home for valued and treasured possessions. Making sure you have the right insurance for your home could provide real peace of mind.

Our Home Insurance is Defaqto 5 Star rated and includes a comprehensive range of features and benefits. Including new for old replacement and alternative accommodation if you're ever unable to stay in your home. Whether you want contents, buildings or both we've got it covered:

 

 

  • £500,000 Buildings cover as standard with the option to increase to £1 million for an additional premium. 
  • £50,000 Contents cover with new for old replacement as standard with the option to increase to £75,000 for an additional premium


Choosing a Home Insurance policy

Every household is unique, and what benefits your neighbour may not necessarily benefit you. Here are some key points to consider when choosing a policy:

  • Buildings Sum Assured - This should be enough to cover the full cost of rebuilding your property. The rebuilding cost is not the same as market value, and may change if you extend or alter your property.
  • Alternative Accommodation - Knowing your policy includes alternative accommodation can be reassuring should you need to leave your property, due to an event like flood or fire.
  • Contents Cover - Many insurers offer a standard level of contents cover (eg. £35,000). This may seem like a lot, but it’s surprising how the value of your possessions, including things like your music collection and clothes, can quickly add up.
  • Accidental Damage Cover - Policies will automatically cover you for the consequences of certain events (eg. flood and fire), but not accidents. You may therefore want to find a policy that includes accidental damage cover.
  • Cover away from the home - If you take your valuable items away from your home, you may want to consider covering your personal possessions separately under your Contents policy.

 

It might not pay to save

Many insurance companies promote their Home Insurance products based on price. While it might be tempting to go with the cheapest premium you can find, it may not actually provide the right level of cover for you and could include hidden excesses. Insufficient cover could leave you significantly out of pocket when you need to make a claim.

How to measure quality of cover

Just like the hotel industry, many Home Insurance policies are star-rated based on the quality of cover provided. This star system is operated by independent research firm Defaqto. One or two-star products will offer simple, basic cover. A four or five-star product will deliver higher levels of cover, with additional benefits. All of our products are 5 star!

Buying online

While the internet may seem a quick and easy way to arrange Home Insurance, be careful. Many websites apply default settings to generate the cheapest quotes. However, these default settings may not be right for you and the level of cover you need.

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Landlord Insurance

Our Landlords Insurance is Defaqto 5 star rated and gives you a comprehensive range of features and benefits, such as alternative accommodation for your tenants, new for old replacement, and malicious damage cover as standard. Whether you want to cover just the building or the building and contents we've got it covered.

  • Buildings covered up to £1,000,000 as standard.
  • Optional extra such as Contents cover start from £10,000 to £50,000.
  • Up to £2,000,000 Property Owners Liability cover
  • Malicious Damage by tenants covered as standard.
  • Up to £200,000 for alternative accommodation and loss of rent receivable if the property is uninhabitable due to an insured event.

It's not just a rental property, it's an investment for your future!