Life Insurance will protect your family from the financial worries they could face if you were no longer around. Therefore, Life Insurance will pay out a lump sum of money to your loved ones if you were to pass away.

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• Pays out if you die 

• Will be written into trust if it is needed 

• Pays out if diagnosed with a terminal illness 

• Cover for a stated period depending on needs and circumstances 

• Can cover whole of life 

Family income benefit (FIB) is a type of Life Insurance where it will pay out a regular monthly income to your loved ones for the duration of the policy in the event of your death.  

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• Pays out a monthly income in the event of your death 

• Pays out if diagnosed with a terminal illness 

Critical Illness Cover is designed to pay out a tax-free cash lump sum if you find yourself diagnosed with a critical illness such as Cancer, Heart Attack, Stroke. It can cover many more conditions which will vary considerably depending on the policy that you decide to take out. It is important to make sure you’re covered against the financial impact this could have on your family.

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• Pays out on diagnosis of a specified critical illness

• Help towards health-related costs, monthly expenses, or lost income whilst you are in recovery

Children’s Critical Illness Cover is designed to pay out a tax-free cash lump sum if your child is diagnosed with a critical illness such as cancers and children’s specific critical illness. It can cover many more conditions which will vary considerably depending on the policy that you decide to take out. It is important to make sure you’re covered against the financial impact this could have on your family.

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• Pays out on diagnosis of a specified children’s critical illness

• Help towards health-related costs, monthly expenses, or lost income whilst your child is in recovery

• Child death benefit included in all children’s critical illness policies

Can be taken on a decreasing or level basis depending on the mortgage taken out.

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• Runs inline with current mortgage

• Terminal illness included

• Can be taken out on a sole or joint basis

Income protection will give you the financial cover you need if you were ever unable to work due to illness, ailment, or injury. It is designed to pay you a monthly or weekly wage when you are unable to work and ensures that all your monthly bills and living costs are covered. Self-employed individuals and employees with a limited sick pay arrangement will benefit from having an income protection policy in place.

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• Varies waiting periods available depending on current sick pay arrangement

• Short-term and long-term benefit periods available

• Cover available until anticipated retirement age

• Cover for varies occupations, hobbies, and pastimes

Health insurance, often called private medical insurance, is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. - You will pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

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• Choice of consultant

• Fast access to private medical treatment

• Flexible cover to suit your needs

• Access to a wide range of hospitals

• Access to latest drugs and treatment

• Comfort and privacy at a time when you need it most

We hope it will be later rather than sooner, though the costs of a worthy funeral can become substantial. Bespoke Financial Wellbeing can arrange funeral cover for you which could grant your family a lump sum to pay for funeral costs, so you don’t have to use your own savings or the family’s money to cover the cost of your final farewell.

A will writing service which makes this often expensive and time-consuming task simple. You may not think you need one if you are fighting fit, though if you do pass away without a will in place, your possessions will be allocated under general rules and that may not align with your wishes. Get in touch with us today for all your will-related queries.

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Wills and will writing are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them. These will be referred to a third party.

We are here to give you specialist advice on all your mortgage needs. Working with over 90 lenders, we can find the perfect mortgage for you. Whether you’re looking for a new build property, general mortgage, or a first-time buyer with help to buy, you’re in the right place. Call us and make that first step towards your dream home today.

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We are not authorised to provide advice on Mortgages but can introduce you to a qualified third party.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Relevant life cover - similar to a death in service benefit, a relevant life plan is an insurance policy that will cover your employees in the event of their death which is paid to the clients spouse or family.

Key person Cover - A key person insurance policy helps safeguard a company against the financial impact of death, terminal illness or critical illness.

Shareholder Protection - A share protection arrangement enables the surviving owners to purchase the deceased owners share of the business from the deceased owners estate, and ensures that the deceased owners dependants have a willing buyer and cash instead of a share of the business.

Executive Income Protection - This will help small/medium size business’s protect against the financial impact of their employees becoming ill or injured and unable to work.

Group Income Protection - Group income protection is a business insurance that provides members of the insurance scheme with cover against sickness or injury that makes them unable to work. The business pays for the insurance and it acts as an extended sick pay benefit for its employees.

Group Life Insurance - Group life insurance is a single insurance policy that provides cover to a group of employees who work in the same company or organisation. The employer owns the policy, which covers all eligible employees.