Smart Money offers a range of personal protection services to help you safeguard your financial future. Our tailored solutions provide peace of mind, ensuring you and your loved ones are protected against life’s unexpected events.
Protection
PROTECTION SERVICES
Comprehensive Protection for Personal & Business Needs
Business Protection
We offer comprehensive protection solutions to ensure your client’s business remains secure, even in the face of unexpected events. With tailored plans, your clients can protect their business interests and ensure stability in challenging times.
Mortgage Protection
Safeguard your home and loved ones by ensuring your mortgage is covered if the unexpected happens. Tailored solutions available through Smart Money.
Personal Protection Overview
Personal protection policies provide financial security in unexpected circumstances such as death, serious illness, or income loss. These policies offer peace of mind by protecting you and your loved ones against potential financial hardship.
Life Cover
Pays a lump sum to cover debts or support dependents in the event of death. Available on Single, Joint, or Dual Life bases.
Serious Illness Cover
Provides a lump sum if diagnosed with a serious illness, offering financial relief to help cover costs and allow you to focus on recovery.
Income Protection
Replaces a portion of lost income if you are unable to work due to illness or injury with with tax relief on premiums.
Consultation
Let's Talk with a Financial Expert
- Personalised Financial Advice
Receive customised solutions tailored to your specific financial needs and goals, ensuring every decision aligns with your future plans.
- Expert Guidance
Leverage our team’s extensive knowledge and experience in the financial sector to navigate complex options and make informed choices with confidence.
- Comprehensive Solutions
From savings and investments to protection, retirement planning, and mortgages, we offer a wide range of services to address every aspect of your financial journey.
Make an Appointment
Book a call with our team today and get expert financial advice.
PERSONAL PROTECTION
Types of Life Cover
We offer a variety of life cover options, Customised to suit your needs. Our plans provide peace of mind for you and your family.
Decreasing Term Assurance
Also known as Mortgage Protection, this cover is typically taken out alongside a capital and interest mortgage. The policy amount decreases in line with the mortgage balance, offering the most basic and affordable cover.
Level Term Assurance
This policy offers a fixed term and coverage amount that remains the same throughout the duration. You can add indexation, which adjusts both the benefit and premium in line with inflation, with the option to stop it at any time. However, indexation cannot be added later.
Convertible Term Assurance
A level term assurance policy with an option to convert to permanent cover before the policy matures. This provides future insurability without needing to provide medical evidence when converting. Premiums increase based on age and smoker status, not medical history.
Benefits of Term Assurance
- A tax-free lump sum is paid in the event of death within the policy term, helping your family maintain their current standard of living.
- Peace of mind, knowing that your family will receive financial support during difficult times if you pass away.
BUSINESS PROTECTION
Types of Business Cover
Ensure your business remains secure with our tailored protection solutions, designed to safeguard against unexpected events that could disrupt operations.
Shareholder/Partnership Insurance
Provides funds for surviving owners to buy out a deceased shareholder’s share, ensuring control of the business stays within the existing team.
Keyperson Insurance
Offers compensation if a key employee dies or falls seriously ill, covering the cost of replacing staff or mitigating lost profits.
Start Building Your Path to Financial Success
Start your journey to financial success by booking a call with our team. We’ll provide personalised advice to help you make the best decisions for your future.