Nobody really wants to think about getting sick or leaving their loved ones behind, but life is full of unexpected events and situations. People naturally tend to insure their assets such as their home or car, but often fail to protect their most valuable assets... their income and their lives.
We truly believe that protecting your family is one of the most important financial decisions you can make. It means your family could get a lump sum if you die or become seriously ill, or you could receive an income if you are unable to work because of an illness or injury.
The insurance products offered by Richstone Park could help to maintain your regular standard of living and make sure that your children could have all the opportunities you’d always wanted them to have, such as going to university, or buying their first property.
Protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions.
Life Insurance
Help protect your loved ones financially if you were to die during the term of the policy. A good policy will also help your family deal with everyday money worries such as household bills, mortgage payments and childcare costs.
Critical Illness Cover
Insurance that pays out a tax-free lump sum if you're diagnosed with a specific medical condition or illness listed in your policy. It is designed to help support you and your family financially while you deal with your diagnosis, so you can focus on your recovery without worrying about bills.
Income Protection (IP) Insurance
Helps to support you financially if you have time off work and suffer a loss of earnings because of injury or illness. People often think about taking out IP Insurance when they're self-employed and don't receive sickness pay or rely on their health to make a living.
Accident, Sickness and Unemployment Insurance (ASU)
ASU is designed to provide you with financial protection in the event you are unable to continue working either because you have lost your job through no fault of your own, you become ill, or you are injured. You will typically receive a proportion of your income for up to 12 months which can then help cover your monthly outgoings.
Darren and his team are professional people demonstrating high standards throughout many financial sectors. We feel very comfortable with Darren’s continued financial advice as throughout the years of doing so, our investments have proven to be positive.
M. Cannon~Private Client
Richstone Park's adviser will search the whole of market to make sure that they have the best results for you.
With so many options available, you can be confident that your Richstone Park adviser knows the best solution for you.
For more information on services, and to arrange a no obligation initial meeting to discuss your position and requirements, please get in touch.
