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Protection Solutions

Here at Keynote, we specialise in Protection as well as Mortgages; there are four main types of Protection that we offer – these are outlined below.

Rest assured there is no hard sell whatsoever, we will explain all the options allowing you to make an informed decision on what is important to you. We will then recommend a bespoke solution based on your individual circumstances taking your budget and priorities into account. 

Protection types include: –

Life Cover

This is designed to repay your mortgage in the event of your death to ensure your family can stay in the home with no financial worries if you were to die.

Family Income Benefit

This would ensure your family would receive an income in the event of your death because although the mortgage may have been repaid with the life cover payment, you may still want your family to receive an annual payment for other expenditure like holidays, college or university fees etc.

Critical Illness Cover

This cover would pay a lump sum in the event of you suffering a critical illness such as cancer, a heart attack or a stroke.

It would be up to you how the money you received would be spent, with some people opting to use it to pay for specialist treatment instead. Either way we hope it would reduce the financial pressure whilst being off work during this worrying time, helping you to focus instead on trying to fight the illness.

Income Protection

Income protection is a monthly income which would ensure you still had money coming into the household if you were off work sick.

How much we would recommend you receive, how long it would pay out for and how soon it would start to pay out would depend on discussion points surrounding your budget, your savings and your company sick pay. So rest assured, as with all of our protection recommendations, advice would be based on your individual circumstances and never on a ‘one size fits all’ approach.

NB. As with all insurance policies, conditions and exclusion will apply

To request further assistance with any of the above Insurance & Protection services, please just give us a call on: 01782 390729 / 07917 473151 or email us (quick links provided below) – we’ll be happy to assist.