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Contact
020 7953 7040
info@ccameron.co.uk
Charles Cameron & Associates
Blackfriars Foundry
154-156 Blackfriars Road
London SE1 8EN
What we offer
Find out about our Protection Insurance offering, and the differences between the products.
Life Insurance
Life Insurance could be taken out to cover a mortgage debt. If you die before your mortgage term ends, your chosen beneficiaries will receive a lump sum they can use to pay off the outstanding amount on your mortgage, giving them one less thing to deal with at a time of high stress and ensuring they can continue to live in the home when you’re gone. It can be taken out as a tax-free lump sum, or as an annual income replacement known as a Family Income Benefit (FIB).
Critical Illness Cover
Critical Illness Insurance covers you should you succumb to a serious illness (definitions vary from policy to policy), giving you a one-off lump sum, which dependent on the level of cover you choose, you could use to redeem your mortgage in full, part or to simply provide a significant financial boost when you most need it. It doesn’t matter whether you are still able to work or not, your cover will be paid regardless.
Income Protection
If you’re unable to work, for example through illness, Income Protection Benefit (IPB) will pay you a tax-free salary until you return to work. The advantages of IPB are straightforward: you can receive up to 60 percent of your salary tax-free every month, ensuring you are able to cover your mortgage and other monthly outgoings. There are also low-cost options available, which run for two years.
Use our interactive tool PreQuo to find out just how affordable it can be to put adequate Life Insurance and Critical Illness Cover in place
Take the first step towards protecting yourself and your loved ones. By answering a few simple questions around your circumstances you can find out how much life insurance you need and just how affordable it can be with an indicative quote. You can then speak to one of our expert advisers to discuss further and check the quote suits your needs.
We have also written a useful explainer article about protection insurance, read it here
Rather talk to a Protection Adviser immediately?
If you would prefer to speak to one of our specialist advisers without using the online tool, they would be delighted to hear from you.
Just call 020 7680 7141, email info@ccameron.co.uk or complete the form on the ‘Speak to us’ tab below and we will arrange a call back as soon as possible.
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