Insurance Services Protection

Whether its mortgage, family or business protection, we are professionally qualified to make the correct recommendation to suit your circumstances. The products we offer advice on include Life Insurance, critical illness insurance, income protection, Landlords insurance, commercial insurance, buildings, contents, accident and sickness insurance.

Life Insurance

Life insurance is also known as family protection. In the event of premature death the surviving spouse should have sufficient funds to be able to support your family until they are financially independent. We consider all the options that each of our panel of providers offer and compare one against the other. We understand that the cheapest cover isn’t always the best, and tailor our advice to the clients needs.

Most providers offer cover that is level throughout the term or decreasing in line with your mortgage.

Whole of Life Policies

As stated in the Money Advice Service*, a funeral arranged in the usual way costs, on average, £3,757. A Whole of life policy can provide you peace of mind that your family can pay for your funeral.

A whole of life policy is:

  1. A life assurance contract designed to give you a specified amount of cover for the whole of your life.

  2. Pays out a lump sum on death.

  3. Options which can be chosen at outset for an additional cost are Waiver of Premium benefit and Indexation.

  4. Premiums guaranteed throughout policy term.

  5. Limitations and exclusions apply.

More information is available here

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Critical Illness Insurance

Pays out a tax free lump sum on the diagnosis of a specified range of critical illnesses, for example, cancer (not all forms of cancer are covered), heart attack, stroke and MS and many others. This type of insurance can be effective for both personal use and to allow a business to continue should a key person be diagnosed with a critical illness.

Income Protection Insurance

This would pay a percentage your income in the event of the inability to work, due to accident or illness.

This pays after a period of time known as the deferred period and pays an income until the day you return to work or a pre-specified date. There are many variations of this product and it is imperative that you seek professional advice.

Accident Protection

Accident protection provides financial support for a range of specified accidental injuries and UK hospital stays. Unlike protection from other providers, there are no limits on the number of claims you can make and you will be protected for as long as you hold your policy.

Benefits include:

  1. Protection for a range of accidental injuries, including broken bones

  2. Cash pay-out for every 24 hours you spend as an in-patient at a UK hospital as the result of an accident

  3. No health questions asked when you apply

  4. Add cover for your children from just £1 extra a month

  5. Accidental death and funeral cover, to provide peace of mind if the worst happens.

Great value protection
Cover starts from as little as £8 to £40 per month, depending on the level of protection you choose. Plus, the cost of your cover won’t change when you make a claim or as you get older.

MetLife won’t ask you any health questions when you take out the policy. You can take out this policy from 18 years old up to your 60th birthday and can continue cover up until your 70th birthday.

You will receive UK hospital cover for every 24 hours you spend as an in-patient as the result of an accident. Once you’ve had your policy for 12 months, you can also claim for time spent in hospital due to sickness.

With MultiProtect you will also receive free and unlimited access to our professional wellbeing support centre, provided by Health Assured, a leading wellbeing assistance provider in the UK.
Through the Health Assured online portal and dedicated telephone line, you will have independent and confidential access to a wealth of expert resources, 24/7.

MultiProtect also offers extended cover options for families, those with active lifestyles and those who may be at particular risk of certain illnesses. Optional cover is available from just an additional £1 per month, so you can tailor your cover to your circumstances and what’s important to you.

*Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business.