If you would like any more information on any of our products and services, please email us or call our Honiton or Ipswich offices

With every new event in your life it pays to check that your existing cover continues to meet your changing priorities, whether that means you are increasing your mortgage, growing your family, or just require greater peace of mind.

Life assurance

If the worst were to happen, how would your family cope with the financial implications? Life assurance can ensure that the mortgage is fully repaid on death deleted. In addition, you can also take out family protection to cover the loss of earnings to give you extra peace of mind.

Critical illness

In the event of serious illness, how would you pay the mortgage and maintain your family’s lifestyle? Critical illness cover will pay out a lump sum which could be used to repay your mortgage, replace deleted income, or cover other expenses such as long term care, subject to a valid claim.

Income protection

If you were unable to work due to accident, illness, or unemployment, how would you generate income? Our advisers will explain how income protection can be tailored to your individual circumstances, ensuring the policy complements any cover that may be provided by your employer, and taking your budget into account.

Buildings & contents

It is usually a condition of your mortgage that you take out buildings insurance to protect your home. For your peace of mind, it is also important to arrange adequate contents insurance so that your belongings are covered against fire, theft and flood.

Key Person Protection

Key Person Protection helps protect a business against the financial effects of death, terminal or critical illness of a key person. A key person is someone whose ongoing absence would damage business profits and who has key skills, knowledge, experience or leadership which are crucial to the ongoing financial success of the business.

Key person protection can allow a business to use the money received for recruitment costs, as a buffer during a period of falling sales, and to manage the costs of disruption or increased workload on other staff members

Partner/Director Share Protection

Financial problems and direction are usually the first things affected when a Partner or Director dies. Partner/Director Share Protection covers for this worst case scenario by providing the remaining Partner(s) or Director(s) with a sum of money to purchase the deceased or critically ill Directors’ interest in the business.

Business Loan Protection

Business Loan Protection can help your client pay any outstanding money (overdraft, loan or commercial mortgage.) Death of the loan guarantor may leave a business quite debilitated by the debt. Business Loan Protection will help to pay this sum to the business or lender if the guarantor dies or becomes critically ill. Business Loan Protection is a form of life assurance.

For further advice please contact advice@carterdawes.com