Affinity Advisors, Our Protection Partners
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Income protection is an insurance plan whereby you agree to make a monthly payment to an Insurance Company in return for a regular monthly income if you cannot work as a result of an illness or injury after a certain period of time. Benefits paid are less any State benefits or other income protection plans. You can take out income protection if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed. The cost of the policy depends on your age, Income, health, occupation and the benefits you choose. Payments on your plan are eligible for tax relief at your marginal rate of tax.
The purpose of Protection Cover is to provide a lump sum payment in the event of death and/or the earlier diagnosis of a specified illness, as defined in the policy. The benefit payable depends on the protection option you have selected. All Protection Cover policies are regular premium contracts. For all protection policies (except Guaranteed Whole of Life), you select a term at the outset and pay premiums over the term of the contract. Cover is provided for the full term. We offer products such as Level Term Assurance, Convertible Term Assurance, Whole of Life Cover and Mortgage Protection.
Critical illness insurance is an insurance plan where you agree to make a monthly payment to an Insurance Company in return for a tax free lump free should you suffer from one of a number of critical illnesses specified within the plan you take. Protecting your family with life assurance is one of the most important financial decisions you can make. This will help to maintain their standard of living whilst you are unable to earn an income.
Life Cover is an insurance plan where you agree to make a monthly payment to an Insurance Company in return for a tax fee lump sum payment should you die. Protecting your family with life assurance is one of the most important financial decisions you can make. This will help to maintain their standard of living in your absence.