01942 311555 | info@hfassociates.uk

Income Protection Insurance

Prepare for a brighter future with homeownership, but let’s not forget about securing our own well-being! If you’re like most, safeguarding yourself is an afterthought. 

At Helen Ferneyhough Associates, we comprehend the immense value of insurance in maintaining a stable home life. That’s why we strive to make it effortless, affordable, and tailored to your specific needs. You can rely on our amiable team of protection specialists to guide you through the finest options available. Prioritising your security has never been simpler – contact us today!

We will help you understand the different insurance types, and find the coverage that’s right for you! With our support, you can rest easy knowing you’re covered now and in the future.

Speak to our Protection Advisers

Complete the form below with your contact details and we’ll get back to you as soon as possible or call 01942 311555.

Your details will only be used to answer your query and they will not be stored for marketing purposes.

Life Insurance

Provides a lump sum or regular payments in the event of death. Provides your loved ones with the financial stability after you’ve gone.

  • Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off your Mortgage and debts, helps to pay living expenses.
  • It’s worth considering life insurance if you have people who depend on you financially, such as: a partner who relies on your income or your contribution to the household, children or young dependents.

Income Protection

Income Protection Insurance covers most illnesses and injuries that stop you working either in the short or long term –

  • It replaces part of your income if you suffer a loss of earnings due to becoming ill or injured and are unable to work
  • Income protection covers you until you have recovered or until retirement, death, your policy ends or until the limited claim period on your policy ends – whichever is sooner.
  • You can claim as many times as you need to – while the policy lasts
  • Consider how you’d cover your usual monthly costs if you were ill or injured and couldn’t work for a while. Would you be able to carry on paying the bills using statutory sick pay or your savings? If not, it’s worth thinking about
  • Statutory sick pay is £109.40 per week. Can you manage on this?

Critical Illness

Provides a tax-free lump sum in the event you are diagnosed with a critical illness covered by the policy. Designed to provide financial stability whilst you concentrate on recovery. Money can be used as you wish.

  • Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off your Mortgage and debts, helps to pay living expenses.
  • It’s worth considering life insurance if you have people who depend on you financially, such as: a partner who relies on your income or your contribution to the household, children or young dependents.
  • Sadly, 1 in 2 people will become critically ill within their lifetime.
  • Most common critical illness’s claimed for are heart attack, stroke and cancer
  • Critical illness cover can help ensure that you and your family are financially protected if the worst happens.
  • Policies can include cover for your children too – both children’s critical illness cover and children’s life cover.
  • You can combine critical illness cover with life cover, so you’re also covered if you die during the term of your policy.
Are you truly protected in all areas of your life? Our team of expert protection advisers can help you discover any blind spots and guide you towards comprehensive coverage.  Get in touch today and gain peace of mind! Call 01942 311555 or email info@hfassociates.uk.

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Address: FIRST FLOOR, 21 Great George Street, Wigan, WN3 4DL

Tel: 01942 311555

Email: info@hfassociates.uk

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

The information on this website is for use of residents of the United Kingdom only.  No representations are made as to whether the information is applicable in any other country that may have access to it.

Helen Ferneyhough Associates is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.  Just Mortgages Direct Limited Registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD.  Registered in England No: 2412345. 

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