Your home is one of the most important assets in your life and we understand that you want to ensure it is protected should the worst happen. At Pearson Financial Services we like to make things simple for our clients. Your Adviser will evaluate your circumstances and will build a Home Insurance policy tailored to suit your personal needs. They will remain on hand to answer any questions you have throughout the process and even after your policy has been set up. Home Insurance is available to cover either the building itself, your contents or a combination of the two.
In order to help you plan for the future, Life Insurance is a necessity, you need to know that the policy you have or are thinking of having meets yours and your family’s needs and is being provided by a reputable and trustworthy company. We will dedicate one of our expert advisers to assist you with your Life Insurance needs, so you have the peace of mind that in any event, your loved ones will be looked after. It will be determined on the most suitable provider for your needs, which in turn will dictate what additional features you could either add to your policy or may come for free. Your fully trained and qualified adviser will be available whenever you have any queries and we guarantee you will not pay any fees to Pearson Financial Services for organising your policy.
DECREASING TERM INSURANCE
Decreasing Term Insurance is often bought to clear a specific debt (normally a repayment mortgage but not exclusive too) which is reduced over time. The policy pays out in the event of the death of the borrower or his/her partner. If you would like to arrange a chat with an adviser to discuss your circumstances to see if this could benefit you please contact us and we will be in touch at a time that suits you.
LEVEL TERM ASSURANCE
A Level Term Policy pays out a tax free lump sum if you die within a specified term. The amount you’re covered for remains level throughout the term – hence the name, and the monthly or annual premiums you pay usually stay the same too. Level Term Policies can be a good option for protection, where you want to leave a lump sum that your loved ones can invest to live on after you pass away. So if you think a Level Term Life Assurance Policy could be right for you, give one of our expert advisers a call and they will help you to understand your situation to make sure you can provide your loved ones with financial relief and leave them in the position that you want them to be in, should the worst happen.
WHOLE OF LIFE COVER
Whole of Life Term Assurance is different to a Level Term Insurance Policy because your loved ones can make a claim whenever you pass away. In other words, a claim is assured and the policy is guaranteed to pay out a lump sum when you pass away.
Whole of Life Assurance is more expensive than Lever Term Insurance because a claim is inevitable, and you should also consider that you could be paying the premium into your 70’s and 80’s. However, as a way to ensure your loved ones are looked after once you pass away, a Whole of Life Policy could be an ideal solution for you. So, call one of our advisers today to discuss your policy options or get an instant online quote now.
CRITICAL ILLNESS COVER
Income Protection is designed to supplement your income in the event that you are unable to work. Insurance can be taken out to cover accidents, sickness and is intended to provide cover ranging from 12 months up until retirement on long term accident & sickness cover depending on the policy. Common reasons for taking out income protection include protecting the mortgage or loan repayments, whilst ensuring you are able to maintain your lifestyle and can continue to financially
support your loved ones.