Mortgage Protection
If you have a mortgage on your family home you are legally required (with some exceptions) to have life assurance cover to pay off the mortgage should you or your spouse (if mortgage in joint names) die at any time within your loan term.
At Full Circle Financial Services Limited we can secure the most competitively priced plan if this is your first time seeking this cover OR we can review your existing premiums to ensure you are getting the best available price.
At Full Circle Financial Services Limited we can arrange this cover on your behalf or review your existing mortgage protection plan to ensure it continues to offer value.
Family Cover
It is a good idea to have a plan in place to protect your loved ones financially in the event of your premature death.
A simple life assurance plan can cost you very little (especially if non smokers) and you may in some cases also qualify for generous tax relief on the premiums you pay.
At Full Circle Financial Services we can determine the most appropriate level of cover for you and we have access to all the companies so we can secure you the most competive premium.
Income Protection
You could face a large drop in income if you are off work for a prolonged period due to sickness or disability.
An Income Protection Plan provides you with a regular income which is paid out if you cannot work due to medium or longer term illness or injury. It is designed to supplement some of your earned income whilst not earning.
You can claim tax relief at your highest tax rate on all the contributions to your plan.
At Full Circle Financial Services we can help you decide your exact requirements and arrange to put this cover in place with the most appropriate provider.
Serious Illness
Serious Illness Cover pays you a lump sum if you are diagnosed with a specified serious illness. If you have loans, ongoing medical costs or suffer a reduction in income this type of cover is particularly welcome.
At Full Circle Financial Services we can explain exactly what type of illnesses are covered and help you with selecting a plan that provides you with the best possible cover at the most competitive cost.