We recognise that getting the cover you want can be difficult. Our advisers are specially trained to understand the work you do, the locations and potential risks involved. Our extensive industry knowledge allows us to provide 99% of cover with no increased premiums. We are the only RMT Union Approved Specialist in the whole of the UK, winning many awards for our exceptional advice & specialist knowledge. Let us help you get the right cover at the best price.
Some examples of high risk locations are;
- Conflict zones (Afghanistan, Iraq, Iran, Syria, Somalia)
- Various parts of Africa (Nigeria, Ivory Coast)
- Countries with a high rate of HIV infection
Whilst finding a provider that offers the right cover for you is one thing, but it’s also important to understand how the different types of insurance protect you in different circumstances. It’s also important to understand how much life insurance you need.
We Take a Fresh Approach
Your location may be perceived as high risk by insurers who will more often increase your premiums, place exclusions to cover the risk or decline your application altogether. At C&D we take a fresh approach and our extensive industry knowledge allows us to provide 99% of cover with no increased premiums.
Life Insurance protects the most important people in your life.
- Life cover provides for your family.
- It pays a cash lump sum or income if you die.
- Personalise your cover for your family.
Setting up a life insurance policy to benefit your family is one of the most thoughtful, generous and selfless things you can do.
Life cover pays a cash sum if you die. Policies are generally designed to help families cope with the financial pressure of losing the household’s main earner. There are many different varieties of life cover, suiting all sorts of needs.
- Cover to last for a defined period or for the rest of your life?
- Cover just for you, or for you and your partner?
- Cover that stays at the same level, or increases with inflation?
- Cover that pays out as a lump sum or as an income?
Term Assurance is the cover we most often recommend. It pays out on the death of the policy holder for the period insured and offers very good value for money.
- Set the level of cover you need, and for how long.
- If you die in that period, the policy pays out.
- Many policies pay early if you find you’ve under 12 months to live.
Do you need to pay off a mortgage or debt? Do you have dependent children? Speak with an Adviser and we’ll find the best cover for you.
This is the cover that pays out when you’re seriously ill.
- A tax-free cash lump sum when you need it most.
- Protect against a major health crisis.
- Find a policy that gives the cover you.
Not all Critical Illness Cover policies are the same. Choose yours carefully and it could be the wisest buy you’ll ever make, but it’s vitally important to know what you’re getting.
All Critical Illness policies must cover:
Certain cancer conditions | Coronary artery bypass | Heart attack | Kidney failure | Major organ transplant | Multiple Sclerosis | Stroke
Many people buy the cheapest cover they can get and then find they can’t claim.
A good plan might also cover:
Prostate cancer | Lower grades of breast cancer | Angioplasty | Loss of sight | Total permanent disability | Hearing loss | Many specific types of heart attack and cancer | Motor Neurone disease | Alzheimer’s disease | & more
Critical Illness Cover pays you a tax-free cash lump sum if you are diagnosed as having one of the illnesses specified in the policy. The cover can help with care costs, medical bills, or even travelling abroad for treatment. It can also cover your financial commitments if you have a major crisis.
Be careful: your gender, marital status, family history and whether or not you have children all affect whether or not a plan is right for you. Call us, and we’ll find the best cover for the conditions that concern you most.
Choosing the right policy is essential: speak with an Adviser and we’ll find the best cover for you
The policy every working person should consider.
- The most essential cover you can buy.
- Pays out if you’re sick, disabled or unemployed.
- Offers long or short-term cover.
Income Protection can cover up to 70% of your pre-tax pay if you are unable to work. Being unable to earn is less of a worry when you know your wages are protected.
‘This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk’
Everything: if your income is the one thing that pays for all your outgoings, Income Protection covers everything you pay for.
The best policies provide a tax-free monthly amount until your retirement date.
- Protect against disability and sickness – you can opt for unemployment cover too
- Homemakers can cover the cost of homecare and childcare
- Income Protection pays out until you’re able to start working again – or for the period you choose
The most comprehensive Income Protection policies are ‘Own Occupation’ policies, which cover you if you’re unable to do your current job. Beware of ‘Any-Occupation’ cover which only pays out if you’re unable to do any paid work: you could be off work but not ill enough to claim.
Income Protection starts paying out after you have been signed off work by a doctor. Because you are far more likely to be unable to work due to illness than to die, Income Protection is more important to have than life cover.
Review From: S Redman
Very professional and knowledgeable indeed and happy to help in any way, Keeping you up to date every step of the way I would recommend to anyone.
Review From : TG
Thanks again for your 1st class professionalism and advice on helping me select the right policy for my needs. I will certainly be recommending you and your services to my colleagues in the future!! TG
Review From : Steve Cargill
A few questions asked and my insurance was all sorted over the phone. C&D know our business and their own so there’s no time wasting in this process with daft questions and it can all be sorted very quickly.
Review From : Neil Webster
My life insurance was completed with the minimum of fuss, all questions answered with ease and cover in place within a few hours. A+++++