Services / life assurance
Protect and secure your family for the future.
Speak with our Life Assurance team and discover how you can help protect your family should the unthinkable happen.
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Life Insurance
Life cover will give you peace of mind for all of lifes uncertanties.
We know that getting life insurance can be confusing and time-consuming. At moneycare, we are here to support you every step of the way.
Why Life Insurance
There are a range of benefits to having life a insurance policy
A tax-free lump sum payable in the event of death within the policy term.
The knowledge that if you die, the lump sum will help your family maintain the same standard of living that they enjoy today.
You pay the same premium at the start of the policy as at the end. Premiums and benefits may however be indexed to keep in line with inflation – it is recommended that you take this option on longer term policies.
Frequently Asked Questions
Important questions about life insurance policies
Can I have more than one policy in place?
What will Life Insurance cost me?
Why would I need Life Insurance?
Mortgage Protection
The security of knowing your mortgage will be covered.
Mortgage Protection will pay off your homeloan if you die during the mortgage term. Mortgage protection is the cheapest form of life assurance and the premium will remain the same during the term of the policy.
Frequently Asked Questions
Common questions about taking out a mortgage protection policy
Will my Lender require I take out a Mortgage Protection policy?
What is the purpose of Mortgage Protection?
Income Protection
Protect one of your most valuable assets, your income.
How would you finance your lifestyle if you were unable to work for an extended period of time due to illness? Income protection pays out a regular cash payment that replaces part of your lost income if you have a medium to long term illness or disability and unable to work.
Why Income Protection
When to consider income protection.
If you are self employed and have no alternative sources of income.
If you have dependants who rely on your income.
If you have little or no sick pay from your employer.
Frequently Asked Questions
Common questions we get asked about income protection
How does Income Protection cover work if I make a claim?
Can I claim on my Income Protection more than once?
What is Income Protection for?
Serious Illness
Security should you ever be diagnosed with a critical illness.
A serious illness policy will pay a lump sum to the policyholder in the event of them being diagnosed with one of the specified illnesses that the policy covers. Often this financial support can make a huge difference if you are unable to work or have to pay for expensive medical treatment.
Frequently Asked Questions
Some common questions about serious illness benefit
How does Serious Illness cover work if I make a claim?
What is does Serious Illness cover me for?
Business Protection
Choose from a range of business protection insurance options.
There are four types of business protection.
Key Person Cover
Provides protection against the loss of an extremely valued employee of high financial or strategic importance to a business.
Co-director Insurance
Protects the co-directors in the event of the death of one of the directors, it will allow the surviving directors to buy the deceased's shares from their next-of-kin.
Corporate Co-director Insurance
Provides protection in the event of the death of a director of a company. In this event, a lump sum will be released to the company to buy the deceased person's shares from their next-of-kin.
Partnership Insurance
This is an insurance policy that protects the financial security of a business partnership by compensating a deceased partner's estate for their share of the partnership.
Frequently Asked Questions
Common questions we get asked about our business protection offering
What types of Business protection are there?
Why would I need Business Protection Cover?
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Speak to Catriona about Life Assurance
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