Insurance
“Life is actually a series of encounters in which one event may change those that follow in a wholly unpredictable, even devastating way.”
– Michael Crichton –
Your Protection Options
We offer access to range of solutions to financially protect any number of potential risks and life events. We can’t stop the unexpected from happening, but we can make dealing with the consequences easier. We can help you get affordable insurance to help you eliminate the risk of losing your income and lifestyle.
There are a number of ways to do this:
Life Insurance
We never like to think about the worst happening but with the right policies in place, we can help reduce the worry and stress of such an event. At the most worrisome time in our life, our thoughts go to making sure the people we leave behind are catered for.
Life cover can come in many forms and can be altered to suit your specific worries or cover needs, like covering an existing debt, making sure your funeral expenses and other arrangements are taken care of, and protecting a legacy.
We can help you identify what cover you might need, and help you apply and put this in place.
We never like to think about the worst happening but with the right policies in place, we can help reduce the worry and stress of such an event. At the most worrisome time in our life, our thoughts go to making sure the people we leave behind are catered for.
Life cover can come in many forms and can be altered to suit your specific worries or cover needs, like covering an existing debt, making sure your funeral expenses and other arrangements are taken care of, and protecting a legacy.
We can help you identify what cover you might need, and help you apply and put this in place.
Whole Of Life Insurance
Whereas normal life assurance is set to expire a certain point in time, whole of life is exactly this. It covers you for the full entirety of your life. This can offer the maximum reassurance for those that want to protect their loved ones.
Whereas normal life assurance is set to expire a certain point in time, whole of life is exactly this. It covers you for the full entirety of your life. This can offer the maximum reassurance for those that want to protect their loved ones.
Family Income Benefit
Family income benefit will pay a regular monthly income on death for a specified period of time. Less well known, but an incredibly helpful way of getting cost effective cover for monthly outgoings (such as school fees, for example).
Family income benefit will pay a regular monthly income on death for a specified period of time. Less well known, but an incredibly helpful way of getting cost effective cover for monthly outgoings (such as school fees, for example).
Income Protection
For most of us, our income, and the continuation of it, is critical to preserving our quality of life. An income protection policy can help you do this even if you fall ill and can’t work from anywhere from a few months, through to retirement.
This is often one of the first policies people take out and is a core building block to a financial plan.
We can help you get the right level and type of cover for you.
For most of us, our income, and the continuation of it, is critical to preserving our quality of life. An income protection policy can help you do this even if you fall ill and can’t work from anywhere from a few months, through to retirement.
This is often one of the first policies people take out and is a core building block to a financial plan.
We can help you get the right level and type of cover for you.
Critical Illness Cover
There are a lot of things that don’t kill us, but can really stop us in our tracks. Critical illness cover helps offer a significant lump sum in the event of a serious illness being diagnosed. This can help with treatment, alleviate any financial strains on you and your family so you can better deal with the events ahead.
There are a lot of things that don’t kill us, but can really stop us in our tracks. Critical illness cover helps offer a significant lump sum in the event of a serious illness being diagnosed. This can help with treatment, alleviate any financial strains on you and your family so you can better deal with the events ahead.
Children’s Cover
Whether you already have children or are planning to start a family, it’s only natural to hope for the best. When taking on any new responsibility let alone bringing a new life into this world, it’s also important to consider the potential challenges. Financially, physically, and emotionally.
Whether you already have children or are planning to start a family, it’s only natural to hope for the best. When taking on any new responsibility let alone bringing a new life into this world, it’s also important to consider the potential challenges. Financially, physically, and emotionally.
The Eclipse Financial Planning Insurance Advice Process
To get the right cover in place for your needs, we employ our 3-step protection process to help you decide which risks you want to cover (and to what degree). Read below to find out more:
THE ECLIPSE FINANCIAL PLANNING INSURANCE ADVICE PROCESS
Sometimes people know what they want. Often, they know the need some cover but are unsure about how much and what type they need. Our advice process helps guide you to the right decision.
First, we ascertain what the probabilities are of different things happening to you. This helps us understand what type of cover you might benefit form.
Second, we look to understand what your life plans would be in either event, and this helps us identity how much cover you should have. Often we would like to be fully covered, but we can also look at a solution that covers you in part, coupled with a planned lifestyle change if this is preferred.
Third, we consider your budget and look at how best to fit this alongside your needs. This may involve looking at tweaking your policies slightly or shopping around different providers to offer the most value.
To most accurately match your needs, it’s likely we will take a portfolio approach to your protection. This ensures breadth of cover at different points in your life and for different events happening, rather than concentrating your cover in 1 area risking you having gaps elsewhere.
Whether you are single and starting out in life and what a light plan to cover your essential spending; or are settled with a family and wish to protect you and your loved ones, or perhaps you are approaching later life and wish to get your affairs and your estate planning in order, feel free to mane an enquiry and we will be happy to discuss your needs and create a tailored solution for you.
*life only plans not included.