Follow the 3 steps to financial security
Step 1
Book a 15 minute consultation with Jo Zeff to discuss your unique needs and explore the best options for you.
Step 2
Fill out my confidential Medical Form, to ensure that I have all the necessary information to provide you with tailored advise.
Step 3
Book in a 15 minute follow up call to discuss the recommended quotes specifically for you.
Your mortgage debt and monthly bills represent significant financial commitments. By securing the right protection policies, you can safeguard your home and ensure your loved ones are not burdened with financial hardship in the face of unexpected events.
My tailored solutions provide a safety net, insuring financial security and protection for you and your family.
Personal Protection
this plan is designed to pay out a lump sum when the person covered dies or is diagnosed with a terminal illness where the life expectancy is less than 12 months, during the term of the policy. Life cover can be taken either on a Decreasing Term or Level Term basis. I will recommend the best policy for you.
pay’s out a monthly amount to help pay for your day to day living costs if you were unable to work due to an accident or sickness, for example, you had a bad back, depression, glandular fever etc.. Income Protection has different deferred periods and terms but basically the plan will start to pay out when your employer stops paying you, so that you have enough money to survive.
this plan is designed to pay out a lump sum if you were to get a Critical Illness, like cancer, heart attack or a stroke. 1 in 2 of us are statistically going to get a cancer, so by having critical illness it could provide you with financial support when you need it the most.
this plan is designed to cover you for the whole of your life when you die, it will pay out a lump sum to your beneficiaries. This plan is designed to help protect your family’s lifestyle and everyday living expenses and is also used to help towards funding any Inheritance Tax liability that may be payable on your death.
Business Protection
this policy is for employers to offer themselves as directors or their employees a death in service benefit which is tax efficient and pays out a tax free lump sum on death or diagnosis of a terminal illness.
this policy is designed to help protect businesses against the financial impact if an employee is unable to work due to accident or sickness. This plan can be utilised by the owners/directors of a limited company in a tax efficient way.
this policy helps business owners buy out shares after the loss of a partner or director.
This policy helps clients pay outstanding loans or debts after the loss of a guarantor or key individual.
this policy can help clients cover costs such as reduced profits or to find replacement staff after the loss of a key person.
this policy pays businesses a monthly benefit if a key employee can't work because of an illness or injury.
I always recommend that a life cover is put into a trust, so that the money reaches the right person in a quick and easy manner. By not putting your life cover in trust means the life cover monies go into the deceased persons estate and has to go through probate before released to the family. This can take many months and remember if you have a joint mortgage the survivor must pay the monthly mortgage payments or be at risk of losing their home.