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Life insurance
Critical illness
Income protection
Relevant life insurance
Buildings and contents
Business Insurance
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Life Insurance

Life insurance provides financial support for your loved ones in the event of your death, offering a cash payout if you pass away during the policy term. All term life policies include coverage for terminal illness as a standard feature. Additionally, opting for critical illness cover incurs an extra cost but ensures protection if you are diagnosed with one of the specified critical illnesses during the policy term.

Whether you seek basic or comprehensive health coverage, Charles Crown Financial is here to assist you in discovering a private health insurance product tailored to your lifestyle and budget. Explore various options to secure the best healthcare for you and your family.

Selecting the right life insurance is crucial, and there are two primary types to consider. Tailor your choice to suit the needs of both you and your dependents.

Level Term Life Insurance

This is the most straightforward form of life insurance. You determine both the payout amount and the policy duration.

Decreasing life insurance

Also known as mortgage life insurance, this policy is tailored to safeguard diminishing debts, such as those associated with your mortgage. So, the amount paid out by the policy reduces with time

Critical Illness

Critical illness cover is an independent policy that can be purchased alongside or independently of life insurance, without impacting your life insurance if obtained separately.

In some instances, individuals in peak health may receive diagnoses for illnesses beyond their control, such as cancer. Critical Illness benefits are paid regardless of the life insured´s capacity to work. The funds offer flexibility for the Policy Owner’s choices, whether aimed at debt reduction, pursuing specialised or alternative medical treatment, or facilitating lifestyle changes (such as reducing working hours). This coverage can be seamlessly combined with life insurance and provides a lump sum benefit upon the occurrence of defined Critical Illness events.

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Income Protection

Income Protection Insurance provides a monthly payout if you’re unable to work due to illness or injury. Essentially, it serves as a substitute for your regular income, subject to a specified limit. A monthly benefit will be deposited into your bank account, enabling you to manage bills and sustain your lifestyle while prioritising your recovery.

Relevant Life insurance

For company directors and self employed. Relevant life insurance offers the same benefits as a standard personal life insurance policy except that it is paid for by your company and the premiums paid are usually eligible for corporation tax relief.

Although the premiums are paid for by the company it is important to note that any benefit is ultimately paid to the family of the employee (via a relevant life trust) rather than to the company. A Relevant Life Plan allows employers to give death-in-service benefits to their employees outside of a registered group life scheme. Our Relevant Life Plan is available as a stand-alone, single life plan. Premiums can be treated as an allowable expense for the employer in calculating their tax liability, as long as they qualify under the ‘wholly and exclusively’ rules. In most cases the benefits are paid free of inheritance tax – provided they’re paid through a discretionary trust. You may have the option to add a critical illness cover to this policy.

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Health Insurance

Health insurance, also known as private medical insurance, is a policy designed to address the expenses associated with private healthcare. This coverage spans from the diagnosis to the treatment phase.

Whether you seek basic or comprehensive health coverage, Charles Crown Financial is here to assist you in discovering a private health insurance product tailored to your lifestyle and budget. Explore various options for your healthcare needs for you and your family.

Buildings & Contents

Home insurance, also known as house insurance, safeguards your residence and its contents in the face of unforeseen events. This policy aids in covering the expenses arising from unavoidable damages to your home, such as fire or flood damage, and facilitates the replacement of stolen valuables in the event of burglary.

While home insurance is not obligatory for homeowners or renters, securing a mortgage often requires obtaining buildings insurance as a condition for loan approval. For tenants, the responsibility typically involves covering personal belongings, as the landlord is usually responsible for the buildings cover.

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Business Insurance

Business insurance is a type of coverage designed to protect businesses and professionals from financial losses and liabilities. It typically encompasses a range of policies that can be tailored to meet the specific needs of a business. Common types of business insurance include property insurance, Public Liability insurance, Professional liability, Commercial insurance, Cyber liability,…

Please contact with our experienced professional for further information at Charles Crown Insurance

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