Protection and Insurance

There are many life insurance and protection policies designed to protect businesses and an individual against events such as serious or critical illness, permanent disablement, serious accident and the loss of income due to being unable to do your job.

If you die or suffer a critical illness have you thought how your family would cope financially? The last thing you’d want would be to leave your family facing financial difficulties. That’s why life insurance is so important.

  • Term Life Assurance
  • Whole of Life Insurance
  • Mortgage Protection
  • Family Income Benefit

WSW can help to protect you and your family financially in a range of circumstances. If you want to find out how we can help you, please speak to us directly either by calling us or completing the enquiry form.

WSW Wealth Management offer unbiased and professional assessment of your circumstances to ensure you receive the best possible term assurance, mortgage protection or life insurance quote.

Calculating the Life Insurance cover you need

The answer isn’t really how much life insurance you need, it’s how much investment capital your family will need at the time of your death.
By providing some basic information on your family’s resources, debt and expenses, current life insurance coverage and future income needs. Read Article

Protecting your business

  • Key Man Insurance
  • Partner & Shareholder Protection
  • Business Loan Protection
  • Group Protection

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Term Life Assurance

As its name suggests, Term Assurance provides a lump sum payment should the insured individual die within the term of cover.

Policies can be taken out by an individual to cover their own life or that of another. Couples will often look to cover each other’s death via a joint life policy.

A popular addition is to include ‘Critical Illness Cover’. This part of the policy pays out on diagnosis of a range of conditions. Policyholders have the peace of mind of knowing that a lump sum is available while going through treatment for a serious condition
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Whole of Life Insurance

Like Term Assurance policies these policies pay out on the death of the policyholder. Premiums are payable for life (rather than a term) and were traditionally used to provide poorer families with a method of paying for the funeral costs of a loved one.

An improvement in the wealth of the nation has seen these policies decline in popularity albeit that these are used to cover Inheritance Tax Liabilities.

Enquire now to find out more about the services we can offer you and your family.
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Mortgage Protection

Mortgage Protection Insurance allows you to protect your monthly mortgage repayments in the event of losing your income through accident, sickness or unemployment.

Cover can be provided for between 6 and 24 months. Policies provide a tax free payment that enables the cost of the mortgage to be met. This provides peace of mind as well as protecting the family home.

Enquire now to find out more about the benefits of Mortgage and Payment Protection Insurance.
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WSW Wealth Management are specialists in the Insurance and Protection market and our experience and experise has allowed us to tailor an insurance policy specifically designed for maximum protection.