Insurance

Have you given any thought to how you or your family would maintain an income if the unexpected happened?

Insurance is designed to protect you financially against the unanticipated. It is there to protect you, your family and your assets whether that is someone breaking into your home, a destructive fire or health problems.

Despite the vast array of issues that could make you unable to contribute to your household income, recent research indicates that 41% of workers aged between 30 and 60 do not have life or health insurance.

Our network of insurance experts can help find the right plan for you, the most common types of insurance needed are:

  • Life assurance
  • Income protection insurance
  • Critical illness cover

To discuss your needs and to find an adviser in your local area, please get in touch.

For most people, planning for the future means ensuring that their loved ones are protected financially in the event of their death.

Taking out a life insurance policy is the easiest way to guarantee that your family will be able to pay off any large debts such as a mortgage as well as leaving them money to live on after you’ve gone.

As with all financial planning, there are a number of insurance options available and the plan best suited to you will depend on your individual protection needs and your budget.

Whether you’re looking for term assurance or a whole of life policy, our nationwide network of insurance planning experts can help find a protection package that works for you and your family.

For help finding the right protection package for you, contact a local Fairstone adviser today.

Despite being as important as life insurance, income protection insurance is largely being overlooked as most people don’t like to think of themselves becoming seriously ill.

According to research by Unum and Personnel Today, just 12% of employers support their staff for more than a year if they are unable to work through sickness and despite this; only 9% of those surveyed were insured to cover a loss of earnings.

For those still in full-time employment this insurance could be a lifeline for you and your family in the event that you were unable to work due to illness.

Income protection pay-outs are usually based on 50-70% of your earnings and typically these payments will continue until you return to work, retire, or die, although shorter-term policies are also available should you need them. Your Fairstone adviser will be able to advise you on the right policy that meets your needs now and in the future.

Your Fairstone adviser will be able to advise you on the right policy that meets your needs now and in the future. Get in touch today.

Seen as a relative newcomer to the insurance marketplace critical illness cover can give you the peace of mind that if you unexpectedly fall ill, you will receive a tax free lump sum that could help you cope financially.

The conditions covered do vary depending on the insurer however most tend to cover serious illnesses like heart attack, stroke, cancer and multiple sclerosis.

Unlike income protection insurance which offers regular payments to cover any loss of income, critical illness cover provides a lump sum to help you with your living costs as well as the cost of your care.

Our insurance experts can help find the right cover for you to ensure you’re fully protected should the worst happen, contact a Fairstone adviser today to discuss your insurance needs.

To ensure you’re fully protected should the worst happen, contact a Fairstone adviser today to discuss your insurance needs.

While buildings and contents insurance may sound straight forward it is important to remember that the cost of replacing everything that you own at the same time could be financially crippling for you and your family.

It is also important to make sure you aren’t under-insured, especially if you own a high value home as more often than not, this can mean higher value repairs in the event of damage.

Similarly if you own a farm or country house you will need more than a simple home insurance policy as you will need to take machinery land and livestock into consideration.

 

Whatever your circumstances, our expert insurance advisers can help find the right solution for you. Find a Fairstone adviser in your area today.

If you are a business owner, an independent professional or self-employed, business insurance can help to protect you and your company against unexpected costs.

Whether you’re preparing for the unexpected, securing your commercial property or ensuring you’re covered for compensation claims and liability costs our network of insurance experts can help you find the right solution for you and your business.

We can help find the right solution for you and your business, contact a Fairstone adviser to find out more.

Life Assurance

For most people, planning for the future means ensuring that their loved ones are protected financially in the event of their death.

Taking out a life insurance policy is the easiest way to guarantee that your family will be able to pay off any large debts such as a mortgage as well as leaving them money to live on after you’ve gone.

As with all financial planning, there are a number of insurance options available and the plan best suited to you will depend on your individual protection needs and your budget.

Whether you’re looking for term assurance or a whole of life policy, our nationwide network of insurance planning experts can help find a protection package that works for you and your family.

For help finding the right protection package for you, contact a local Fairstone adviser today.

Income Protection Insurance

Despite being as important as life insurance, income protection insurance is largely being overlooked as most people don’t like to think of themselves becoming seriously ill.

According to research by Unum and Personnel Today, just 12% of employers support their staff for more than a year if they are unable to work through sickness and despite this; only 9% of those surveyed were insured to cover a loss of earnings.

For those still in full-time employment this insurance could be a lifeline for you and your family in the event that you were unable to work due to illness.

Income protection pay-outs are usually based on 50-70% of your earnings and typically these payments will continue until you return to work, retire, or die, although shorter-term policies are also available should you need them. Your Fairstone adviser will be able to advise you on the right policy that meets your needs now and in the future.

Your Fairstone adviser will be able to advise you on the right policy that meets your needs now and in the future. Get in touch today.

Critical Illness Cover

Seen as a relative newcomer to the insurance marketplace critical illness cover can give you the peace of mind that if you unexpectedly fall ill, you will receive a tax free lump sum that could help you cope financially.

The conditions covered do vary depending on the insurer however most tend to cover serious illnesses like heart attack, stroke, cancer and multiple sclerosis.

Unlike income protection insurance which offers regular payments to cover any loss of income, critical illness cover provides a lump sum to help you with your living costs as well as the cost of your care.

Our insurance experts can help find the right cover for you to ensure you’re fully protected should the worst happen, contact a Fairstone adviser today to discuss your insurance needs.

To ensure you’re fully protected should the worst happen, contact a Fairstone adviser today to discuss your insurance needs.

Home Insurance

While buildings and contents insurance may sound straight forward it is important to remember that the cost of replacing everything that you own at the same time could be financially crippling for you and your family.

It is also important to make sure you aren’t under-insured, especially if you own a high value home as more often than not, this can mean higher value repairs in the event of damage.

Similarly if you own a farm or country house you will need more than a simple home insurance policy as you will need to take machinery land and livestock into consideration.

 

Whatever your circumstances, our expert insurance advisers can help find the right solution for you. Find a Fairstone adviser in your area today.

Commercial Insurance

If you are a business owner, an independent professional or self-employed, business insurance can help to protect you and your company against unexpected costs.

Whether you’re preparing for the unexpected, securing your commercial property or ensuring you’re covered for compensation claims and liability costs our network of insurance experts can help you find the right solution for you and your business.

We can help find the right solution for you and your business, contact a Fairstone adviser to find out more.