Life insurance
is one of the
foundation blocks of any
Financial Planning

" We work with a carefully selected panel of insurers "

Life Insurance is one of the most important, simple, popular and cost effective way of ensuring that your
family or liabilities such as mortgages or loans are protected in case of your death.

THINK – WHAT WILL HAPPEN?

About Us

LifeLine Protect is committed to provide the best service to its clients.

About Us

We are a team that believe that insurance is the fundamental block of any families financial planning and strive hard to pass the message.

We don’t use fancy words to sell insurance to you. We talk your language and understand that you prefer to talk to someone who could explain the products in simple language. We make it a personal responsibility to make sure that YOU as a family are adequately protected.

Though we can’t protect you against the emotional loss in case of an unfortunate event but can definitely make sure you are adequately insured to cover the financial losses.

That’s one less thing to worry about !!!!!

Life insurance

Life insurance is the one of the foundation blocks of any financial planning.

Life Insurance

Life insurance is the one of the foundation blocks of any financial planning. Life Insurance is one of the most important, simple, popular and cost effective way of ensuring that your family or liabilities such as mortgages or loans are protected in case of your death.


There are different types of life insurance


You could select – Level term policy or deceasing term policies – Your insurance consultant will be the best person to recommend the appropriate type of cover for you.


Duration of life cover


Life insurance can be bought for a fixed term between 5 to 40 years and can run right up until your 90th birthday.


Single or Joint cover


Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies. Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.

The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies.


Life insurance prices


The cost of a life insurance policy is calculated based on your age and whether or not you are a smoker. Other factors that will affect your premium is how much you would like to be covered for, the type of policy (level or decreasing) that you are applying for and the length of time you wish to be insured for.

Serious illness insurance

Serious illness cover is similar to critical illness cover but rather than paying

Serious Illness Insurance

Serious illness cover is similar to critical illness cover but rather than paying out when a condition becomes critical you can receive an earlier pay-out depending on how severe the illness has become.

Here’s why you’re up to twice as likely to get a payout from us than a typical critical illness policy:

The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies


How Serious Illness Cover works


For most conditions, a typical critical illness policy would give you a payout for your full cover amount, or nothing at all. This can leave you with nothing to help you cope with an illness that's having an impact on your life. Serious illness cover give you a percentage of your cover amount depending on how severe your condition is.

If you make a claim for a condition that pays out part of your cover amount, serious illness cover keep covering you for the remaining amount. So if your condition gets worse, or you're diagnosed with a more severe condition, you can claim again. You can do this until you've used up your whole cover amount


Why you're more likely to get a payout with Serious Illness Cover


Serious illness cover more conditions than other insurers. They also cover earlier stages of certain conditions - in some cases, make partial payouts when you're diagnosed, rather than waiting until you have surgery or develop permanent symptoms. Together, these things mean you are more likely to get a pay out with our cover, than with a typical critical illness policy

Income protection insurance

Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner

Income protection insurance

How would you pay the bills if you were sick or injured and couldn't work?

In case of an unexpected event, an income protection cover can help you to cope with the losses.

• Income protection provides a pre agreed income in case if you are not able to work due to long term sickness or injury.

• It is one of the most important type of insurance as the chances of loss of income due to long term sickness and injury is higher than death or any serious illness cover.

• You can have the peace of mind that if you get back to work in any reduced capacity the insurance will take care of the reduced income

• Select according to your budget. You can select a limited income protection or full income protection plan till retirement.

• The income protection payments are tax free and you could apply from 55% - 70 % of your gross income to be protected.

Private Medical Insurance

Serious illness cover is similar to critical illness cover but rather than paying out when a condition...

Private Medical Insurance

LifeLine Protect will help you to

• Identify the best private medical insurers

• Identify the most cost effective medical insurers

• Identify the most comprehensive covers in the market



Why should I buy a Private medical insurance ?


• Private medical insurance covers allows you to avoid NHS waiting lists and receive fast track consultations

• Private medical insurance covers can cove you for essential treatments, surgery, consultations, nursing and hospital care.

• Private medical insurance gives you the option of specialist referrals and access to the most effective drugs for treatment.

Whole of Life Covers

Whole of life insurance guarantees the payout of a lump sum whenever the policy holder dies.

Whole of Life Covers

GUARANTEED

whole of life plans to provide protection without any fixed term.

Whole of life insurance guarantees the payout of a lump sum whenever the policy holder dies. Traditional life insurance covers for a certain number of years like the term of mortgage or a fixed term. Whole of life insurance covers don’t have a term they payout on death as long as the monthly direct debit has been maintained.

In recent years the insurance companies have started providing guaranteed premium which makes sure that the clients can choose the most affordable premium which they can maintain even beyond retirement age.

We at LifeLine Protect are at hand to identify the most appropriate whole of life covers for you. It is a long term cover that may extend beyond your retirement age and hence it is equally important to get an expert advice.


Whole of Life insurance covers can be used to


• Provide a fixed amount of benefit to your dependents on death. Since death is guaranteed, the payout will be guaranteed

• Place cover to mitigate inheritance tax liability

• Provide cover for funeral costs

• Leave a legacy for the family

Building & Contents Insurance

Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you

Building And Contents Insurance

Think if you are covered


• What will happen if your house burns down in a fire?

• What will happen if you have a flood?

• What will happen if there is a theft in your house?


Think if you are covered


LifeLine Protect deal with a panel of insurers who provide full comprehensive covers. We can ensure that if the worst happens you will be provided immediate assistance and support.


Building & Contents cover


• Fire, smoke, explosion, lightning, earthquake

• Malicious damage or vandalism

• Storm or flood

• Subsidence or heave

• Replacement Locks

• New for old replacement

• Escape of water or oil

• Alternative accommodation

• Property Owners Liability

• Occupiers' Liability

• Theft

• Contents

• Business Equipment

• Food in the freezer


You can also apply for some optional covers along with standalone building and contents insurance such as accidental damage, cover for personal possessions, home emergency covers cover any legal expenses too. We at LifeLine team will be happy to assist you in identifying the most suitable insurance cover for the family.

LifeLine Protect Limited is an appointed representative of Religare UK Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 309439


LifeLine Protect Limited is entered in the Financial Services Register under reference number 607618


LifeLine Protect Limited registered office address is 3 The Quadrant, Warwick Road, Coventry, CV1 2DY registered in England and Wales No. 08719989