Lighthouse Financial Services Ltd

Personal Protection for you and your dependents!

Nobody likes to think about death or ill health, but none of us are indestructible and unfortunately it sometimes happens sooner than it should. That's why its important to ensure that those who depend on us are financially protected if the worst happens. We will insure our homes, our cars and even our pets! However, many people don't have enough life assurance and many have no cover at all! Yet life assurance need not be expensive and cover can be arranged to meet most budgets.

But of course its not just about the cost!

Its about getting the right amount of cover and the right type of policy. You will also want to know that when benefits are paid out they are paid out quickly and without liability to inheritance tax. Placing the policy in Trust may therefore be appropriate. That's why it's important to get the right advice.  

What if you are struck down by a serious illness such as cancer or a heart disease? How would YOU cope, both financially and emotionally? We not only advise on financial protection but we can provide you with access to the support and advice from specialists you and your families need when a serious illness strikes!

You might want to consider protecting your income in case of ill health!

How would you meet your mortgage costs if unable to work due to an accident or sickness.If you are in employment, how would your employer pay you in the event of long-term ill health?     If you are in employment, how would your employer pay you in the event of long-term ill health?      

If you are in employment, how would your employer pay you in the event of long-term ill health?  

Are you interested in the cost of Private Health Insurance?

We can provide the right advice and analysis for your protection needs. Remember life assurance and health cover need not be expensive.  We can arrange protection cover from a wide range of providers.

 . . For Buildings, Contents and Mortgage Payment Insurance we normally provide products from a limited number of companies.

Do you run your own Business? 

If you run your own business could it survive without you, your partners/co-directors or other 'Key' employees?

It's people that businesses depend on, not machines. However what if a 'key person' in the business died or were seriously ill, could the business survive? Would the business have the funds to replace lost earnings or find someone else to step in? Would the business have the cash to buy out the share of one of the business owners if they died or were diagnosed with a serious illness?

We can advise not only on the amount of cover and the right type of policy we will also advise you on setting up appropriate agreements and documents (e.g. Cross Option agreements and Trust forms).

We can arrange protection cover from a wide range of providers. . .      

 No comparison website or Supermarket can give you honest and impartial 'advice' on these matters. Don't leave it to chance, protect yourself, those you depend on and those who depend on you!