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Putting You First. Protection for Businesses and Individuals

At Elite Financial Consulting our expert team of advisers can provide invaluable cover for your business partners or family members in the event of death or illness. Secure your future today.

We all want security, whether it’s for our business partners or loved ones. As life brings unexpected challenges like illness or loss, having a safety net becomes not just important, but the right thing to do.

We understand – talking about illness or loss can be a tough conversation. That’s why many of us delay getting insurance, thinking; “It won’t happen to me.” But the truth is, “it” does happen, and it can often come as a shock, affecting both you and your family’s finances.

The good news? Planning for protection doesn’t have to be complicated or expensive. At Elite Financial Consulting, we’re here to make it simple. We’ll take the time to understand your situation – we will assess any debts, liabilities and other insurable assets, and find out what truly matters to you. Then, we’ll craft a clear plan tailored to your needs.

If budgets are a concern, don’t worry. We’ll help you prioritise what matters most.

The types of protection products available and the advice we cover;

Mortgage Decreasing Cover
This is a form of term assurance, whereby we will would set up a plan with a life insurance company to protect the amount of the mortgage outstanding and this will reduce over the duration.
The cover could be life cover only, protecting you on death or include critical illness, to pay out a lump sum on diagnosis of a critical illness under the policy.
This could be a joint or single plan.
Level Term Cover
This type of cover is similar to the Mortgage Decreasing Cover, but the level of the cover stays the same throughout the term of the policy.
Income Protection Cover
This would be a plan to protect your income in the event you can not work due to injury or illness, this would pay out a monthly benefit to you and we would look at your existing cover provided by your employer such as sick pay to look at any shortfalls in cover.
If you are self employed this type of cover is particularly important, as only Employment and Support Allowance (ESA) may be available if you can not work.
Family Income Benefit
This cover is ideal for families to protect the children and also any income earners, and will pay out a monthly benefit on the income earners death until the youngest child is no longer dependent, often being until their 21st birthday.
Whole of Life Cover
This plan would pay out when you die, often can be more expensive than a traditional term policy, although a useful plan to consider for planning for funeral care costs or inheritance tax planning.
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