There are many different types of Personal Insurance policies to consider to protect you should the worst happen. The trick is finding the right balance so you’ve got enough protection for all aspects of your life but aren’t over-insured and paying for benefits that might not necessarily be right for you.
The right personal protection products will protect not only you, but your finances and your family. Personal insurance covers a range of health and protection insurance products that provide a safety net against life’s uncertainties for you and your family.
Income Protection insures your income if you are unable to work due to illness or injury, paying monthly benefits to cover your expenses.
Private Health Insurance covers the cost of private medical care if you fall ill, giving you access to fast healthcare when you need it the most.
Personal Life Insurance pays out a lump sum upon your death to cover funeral costs, clear debts or financially support your loved ones after you’re gone.
Mortgage Insurance comprises Mortgage Life Insurance to protect against death and Mortgage Payment Protection to cover you in case you can’t work.
Critical Illness Insurance pays out a tax-free lump sum should you suffer from a critical illness. This can be used to cover medical expenses, replace lost income or make adaptations to your home following a disability.
Products as important as personal insurance shouldn’t be filed away and forgotten about. They should be reviewed and updated when there are changes in your life to ensure your cover remains right for your current needs.
Certain life-altering events should be followed by a review of your personal insurance policy:
Some personal protection policies will include a guaranteed insurability option, which allow you to increase the amount of cover you have if you reach a major milestone in your life without submitting further medical evidence. These typically include getting married, having children, moving house / increasing your mortgage and getting a pay rise / promotion.
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.
I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.