Protection & Insurance

​We can advise on:​

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Life Insurance 

 

Life insurance policies pay out either a lump sum or a series of payments should you die during the life or term of a policy. In most instances, the pay-out is tax-free. There is more than one type of life insurance as everyone’s needs are different. These are level term & decreasing life insurance.

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However, if the plan is not set up in trust, you should remember that any benefits on death would go into your estate which may then be subject to inheritance tax if above the threshold.

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Critical Illness Cover

 

Critical illness cover can be added to life insurance for an extra cost. It could pay out a cash sum if you’re diagnosed with, or undergo a medical procedure for one of the specified critical illness during the length of your policy.

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A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial stress of the situation.

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Income Protection

 

Income protection is suitable for those who require consistent regular income when they’re unable to work due to incapacity caused by illness or injury. If you and your family rely on your income to cover regular household bills, an income protection policy can ensure your lifestyle would remain in place.

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Business Protection

 

Many business owners want a business that flows along, builds profits and pleases their customers.  Unfortunately life has a habit of throwing a curve ball now and again. Key people get ill and may need to take time away from work. If business partners, directors or owners get ill or die, the structure of the company can change. Business protection is there to help you continue with business as usual.

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* Business Protection are referred to a third party. Performance Mortgages Limited is not responsible for the service received.  We act as introducers only.​​

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Building & Contents Insurance

 

Building insurance protects the structural aspect of your home against risks like fire, flood, and subsidence, necessary only for homeowners.

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Contents insurance covers personal items within the home and is optional but recommended due to the high replacement costs of stolen or damaged goods.

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Buildings & Contents insurance merges both building and contents cover into a single policy, providing a comprehensive solution for safeguarding your home and its contents.

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* Buildings & Contents Insurance are referred to a third party. Performance Mortgages Limited is not responsible for the service received.  We act as introducers only.