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Life throws up many surprises. If you were to die, suffer a critical illness or be unable to work because of sickness or disability - how would you and your family cope with the resulting loss of earnings? No one can prevent the unexpected from happening but fortunately protection insurance policies are available that ensure you and your family have financial security and are provided for when it is needed the most.

At Sentinel, we offer impartial advice on all areas of protection insurance. Policies vary significantly and we can advise you on the solution that is right for you and help you properly assess the amount of cover that you require. We have access to the entire market and obtain quotations from all leading providers. Our clients have peace-of-mind knowing that their policies are competitive and appropriate for their specific needs.

Some of the most popular solutions include:

Life Assurance

Life Assurance helps you protect your loved ones financially in the event of your death. If you die during the period of your cover, your policy will pay-out your chosen amount of cover in the form of a lump sum or income to your elected beneficiaries. If the policy is placed ‘in trust’ then the proceeds will be free from Inheritance Tax. This is because the lump sum will not be classified as part of your estate.

Critical Illness Cover

Critical Illness insurance pays out a tax-free lump sum to you and your family if you are diagnosed with a specific illness or health problem that is defined within the policy. Typically these include certain types of cancer, serious diseases or heart-attacks and strokes that have a severe impact on your lifestyle.

Income Protection

Income Protection (also known as permanent health insurance) provides you with a regular tax-free income if you cannot work because of accident, sickness or disability. It replaces your lost earnings by paying you a monthly amount whenever you suffer from an injury or illness that prevents you from working. This regular monthly income will continue until you return to work or reach retirement age.

Mortgage Protection

Mortgage Protection covers your mortgage repayments if you cannot work due to illness or death. Decreasing Term Assurance is suitable if you have a repayment mortgage as the level of cover decreases in line with the outstanding mortgage debt. Level Term Assurance is suitable if you have an interest-only mortgage as the amount of cover remains the same throughout the duration of the policy.

Private Medical Insurance

Private Medical Insurance enables you and your family to receive convenient and comfortable healthcare diagnosis and private treatment without waiting to be seen on the NHS. Some policies allow you to choose when and where you are treated – giving you access to the very best treatment in the most comfortable and advanced hospital surroundings.