Life Insurance & Critical Illness

LIFE & CRITICAL ILLNESS

Westmore Insure > Personal > Life & Critical Illness

Life Insurance

Most people would take out life insurance to make sure a mortgage can be paid off in the event of their death. At Westmore Insure Ltd we look at other scenario’s that may not have been considered.
  • Protecting the family whilst children are dependant on you
  • Leaving a lump sum for funeral expenses
  • Shareholder or Key Person Cover if you are the owner of a business 
Life Insurance doesn’t have to be a lump sum. Family Income Benefit policies provide an income for the remainder of the policy in the event of a person’s death. These are very handy if you are on a budget but still want to protect your family. 

We also have access to Whole of Life policies where you will be covered for the rest of your life which will leave money behind for the family to use for things like inheritance, funeral costs or to pay any IHT liabilities. 

Critical Illness Cover

In addition to Life Insurance you can add Critical Illness Cover which will pay out a lump sum or income if you are diagnosed with a Critical Illness. 

Normally most insurers will cover up to 40 different illnesses e.g. Cancer, Stroke, Heart Attack. This type of cover can be very useful if there is only one wage earner in the home or if it is just your name on the mortgage. 

We also have access to policies that can limit the number of illnesses covered (making it cheaper for you on your monthly premiums).
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