Heritage Insurance Services
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Heritage Insurance Services was formed by industry specialists to offer everyone fee free initial advice on protecting the things most important to them - their family and their business. Now with over 12 years experience our aim is to offer outstanding value and security to all our customers and continue to grow as a company through recommendations.

Key Person or Key Man Insurance helps safeguard a business against potential financial loss, caused by a critical illness, terminal illness or from the death of one of the business's key people. Shareholder Protection Insurance is an insurance policy taken out by a company or businesses shareholder on their life, for the amount their shares in the business are worth.

Relevant Life Policy or Relevant Life Cover is a 'death in service benefit'. In simple terms it is a life insurance policy taken out by a company for an employee, which will pay out directly to the employee's beneficiary should they die whilst in employment. Private Medical Insurance or Private Health Insurance as it is also known, covers the cost of private medical treatment for 'acute' medical conditions, diseases, injuries or illnesses.
Highlights

read more › If you are a business owner or a company director, we can advise you how to best protect business, your family or even both, against a specified critical illness or worse still, death. The cover is available to you, another director, shareholder or a key member of staff. We have built our reputation through offering customers the ongoing support and advice they require to ensure their business would still have financial security, and potential for growth if it was hit with the disruption caused by a serious or critical illness or even death of a Key Person.

read more › Key Person or Key Man Insurance helps safeguard a business against potential financial loss, caused by a critical illness, terminal illness or from the death of one of the businesses key people. You can have cover for just death, which comes with a terminal illness at no extra cost or add Business Critical Illness Cover too. A predetermined lump sum is paid to your business if this happens, (we can help you decide the levels for you and your business needs.) You are usually covered for at least 40 critical illnesses, such as but not only; some forms of cancer, heart attacks, strokes etc.

read more › Relevant Life Policy or Relevant Life Cover is a 'death in service benefit'. In simple terms it is a life insurance policy taken out by a company for an employee, which will pay out directly to the employee's beneficiary should they die whilst in employment. Relevant Life Policies have unique tax benefits because the insurance policy is paid for by the business on the behalf of the employee. While the policy is personal to you and your employees, the policy counts as an allowable business expense - it is also tax deductible and doesn't count towards annual or lifetime pension allowances.

read more › Shareholder Protection Insurance is an insurance policy taken out by a company or businesses shareholder on their life, for the amount their shares in the business are worth. These policies tend to be taken out by all shareholders within the company, with an agreement that the money from the policy payout is used to buy their shares from their loved ones. Protecting both the company and the shareholder's loved ones. In the event of a business owner or shareholder dying or being diagnosed with a terminal or specified critical illness, share protection can provide a lump sum to the remaining business owners.

read more › Income Protection Insurance will provide you with a regular income if you are unable to work due to illness or disability until you are well enough to return to work, or until the end of the policy term. Shareholder Protection Insurance is an insurance policy taken out by a company or businesses shareholder on their life, for the amount their shares in the business are worth.

read more › Private Medical Insurance or Private Health Insurance as it is also known, covers the cost of private medical treatment for 'acute' medical conditions, diseases, injuries or illnesses. We all know that illness and injury do happen from time to time, so if the worst was to happen, would you be happy to wait for NHS treatment? With PMI (or PHI) you can get looked at and treated quicker. You pay a monthly premium to the insurer and it pays for your essential hospital care, treatments and surgery. There are lots of different plans to choose from.

read more › Personal Life Insurance cover Pays out a pre-agreed cash lump sum, which is paid to your chosen family member(s) or someone else who you nominate, if you were to die. The amount is decided by your needs and should cover your family's needs if you died, you may want the mortgage paid off, clearing all debts and even leaving your family a lump sum so they wouldn't suffer financially from your death. It is available, depending on the insurer, to anyone age 17 and over to 75 usually, as the final entry age, although you can now take out insurance for the whole of your life, which never ends or the maximum term plan is to your 90th year, which is cheaper than whole of life.

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