Protecting your
family’s lifestyle

Obtain the right advice for your needs

The right protection plan can protect your family’s lifestyle if your income suddenly changes due to death or illness. That’s why obtaining the right advice about the products, including the most suitable sum assured, premium, terms and payment provisions is essential. We take the time to understand your unique needs and circumstances so we can provide you with the most suitable protection solutions in the most cost-effective way. Do you have these in your protection portfolio?

Whole of life plans
These plans are ideal if you want to ensure that a guaranteed lump sum is paid to your estate when you die.

Critical illness plans
If you fall seriously ill, a critical illness plan can protect you and your family from the associated costs.
Income protection plans
If you’re unable to work, an income protection plan can pay you a monthly income until you return to work or reach your predetermined retirement date.

Level term plans
These enable you to protect your family from the cost of covering your fixed liabilities.

Family income benefit plans
These plans protect your family from financial hardship if you die by replacing your income.

Decreasing term protection plan
Protects your family from the cost of decreasing liabilities such as mortgage repayments if you die within the term of the plan.

Credits and benefits to be available in one phone call

Customers will not have to sign and return any claim forms

From this October, pensioners will be able to claim Pension Credit, Housing Benefits and Council Tax

Benefit in one phone call. The change means that many customers will not have to sign and return any claim forms.

The phone call will last for about half an hour but customers stand to be on average £50 a week better off.

For now, customers can make one free phone call to claim Pension Credit and don’t need to fill in any forms.

The phone number is 0800 99 1234 and lines are open Monday to Friday 8am to 8pm.

esmartmoney
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