Protection for you and your family

Protect your

income

In these ever-changing times, one of, if not the, most important things to have in place is protection. Unfortunately, it is also the bit that many people overlook, or have the best intentions to revisit and regrettable never get round to doing so. ​

Hopefully, you would never need to make a claim on a protection policy, but should anything happen, ask yourself how you would you survive? With the Governments Statutory Sick Pay (SSP) being only £109.40 a week (circa £474.00 per month), and the cost of living rising, and protecting your income, and lives has never been more important.

Governments Statutory Sick Pay is only ...

LIFE ASSURANCE

Get Started

For most of us, buying a home is one of the, if not the, most expensive purchases we will make in our lifetime. But have you stopped to think what would happen to your property, and family if you were no longer around?

Whilst not every illness is covered by Critical Illness Cover, or Serious Illness cover, a vast majority are.

Critical Illness Cover is a tax-free lump sum payment designed to pay out on diagnosis of a covered illness and may be cheaper than you first think.

Here at Durant & Co, we will work alongside you, to get you the best cover possible within your budget.

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INCOME PROTECTION

Stay Protected

Here at Durant & Co, we hear all the time how people have enough savings to last them three months of running their house. With Statutory Sick Pay being £109.40 per week, how long could you afford to be off work for?

Income Protection is a policy that provides a regular income if you are unable to work because of sickness or disability and comes in many varieties and can pay out up to 70% of your income monthly.

You can have it on a short-term basis, paying out for 1,2, or maybe 5 years, or you can have long-term Income Protection, which could potentially pay out for what would have been the rest of your working career, depending on why you cannot work.

We can include a deferred period, with many employers offering full sick pay for a fixed amount of time, reduced sick pay for another fixed term, and then SSP after that, we can staircase the policy to top up your income throughout each stage.

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FAMILY INCOME BENEFIT

Regular monthly payments

This is a form of life cover and is designed to pay regular monthly payments in the event of death to assist with the regular cost of living, for example bills and council tax etc.

GENERAL INSURANCE

Competitively priced policy

Here at Durant & Co we can also search the market for Buildings and/or Contents insurance to find you a competitively priced policy.

We will work alongside you to get you a competitive quote, and also provide a copy of the insurance certificate to your solicitor upon exchange, making sure that you’re correctly covered.

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