See what customers are saying about Lifepoint
‘Isaac has been a pleasure to deal with and always answers any queries promptly and efficiently’.
“I have only recently started dealing with Isaac but in that short period of time have come to recognize someone who apart from his professionalism genuinely cares about his clients and is prepared to go the extra mile to guarantee customer satisfaction. It is always a pleasure talking to him and I wish him much success for the future.
‘’ We have been with Lifepoint since the start. Isaac is always available to offer his time, invaluable advice and experience to provide an all round great service – well recommended!’’
‘’After researching Health Insurance online and being totally baffled I was introduced to Isaac via a networking site after asking for help. Isaac went into great detail as to what we were looking for and the level we wanted to pay. He explained options very clearly and concisely without me having to read reams of slanted promotional material from different companies. I then did the application with him and got the recommended health insurance.
During the whole process Isaac was professional, friendly and efficient. He answers the phone promptly and there are no call centres Big yayyyy! I would (and have) recommend him to anyone looking to avoid trawling through loads of information without a clear idea of what you are looking at!’
‘’Excellent service!! Best customer care I have ever experienced!’’
Lifepoint are always simple and friendly to deal with and provide excellent support in each of the service areas they offer. They were excellent in tailoring a bespoke and suitable policy for me and my family which offers a great deal of reassurance and comfort. Highly recommended.
I was referred to Isaac by a friend of mine, and he was absolutely fantastic. He went above and beyond in helping me find the perfect health insurance. Everything was straight forward. I highly recommend Lifepoint
Isaac has been amazing, great customer service always looking out for what package suits us best
Lifepoint has continuously provided us with a timely, professional and competitive service. Their after care is also excellent. We would recommend them any day
A very reliable and efficient company which places its clients’ needs at the heart of the service it provides. We have had excellent advice when choosing health cover and would happily recommend Lifepoint Healthcare.
Pleasure to work with. Very helpful. Gets the best deal possible
A truly refreshing approach to the corporate and private medical health insurance market. Every phone call and email gives the feeling lifepoint healthcare has your back!
Excellent service!! Best customer care I have ever experienced!
Excellent pricing, speedy response, transparent advice & impartial quotations. Well done. A satisfied client
Can’t say anymore really he is excellent on price and always available with a quick and efficient response time to any issue really the best
Many thanks for your unlimited patience in assisting us with selecting a suitable healthcare cover.
Family Protection Insurance serves to protect you or your family against the impact of unexpected life events which can prove to be costly. These can include accidents, illness, unemployment and death. Bearing in mind the state benefits system will not provide substantial help, it bears thinking about how you will cover the shortfalls.
We cannot know what lies in store for us and our families so the least we can do is make sure we plan for the unexpected, and protect what is most important to us with the right policies, at the right level, at the right premiums.
There are different kinds of family protection insurance. These include Life Insurance, Mortgage Protection, Critical Illness and Serious Illness Cover, Family Income Benefit and Income Protection. In the best scenario, we should all have savings put aside to cover all eventualities, however, sometimes this is just not possible, especially to cover the larger amounts. This is where protection insurance can help you. There are a wide variety of different products within each type of protection insurance. Each will cover different events with varying levels of cover for different situations.
An example is Life Insurance, whilst it will provide a lump sum if you die, pay off your mortgage or help with your inheritance tax bill, it will not cover you if you become unemployed or unable to work through accident or sickness. In this case, what would you do about your lost income? Your income provides for all yours and your family’s needs and without an income you and your family would almost certainly lose the lifestyle you now enjoy along with all that you have built up, including future plans. This may be where a critical illness or an income protection product would be able to help.
It is about truly looking at what your protection needs are, and finding the correct balance. Indeed, part of the process of looking at what you already have covered. For example, you may have Life insurance or Income protection through your employment, so may only look to supplement this by making up for a shortfall you think you may need.
For more information or to have your questions answered, please feel free to call us and speak to one of our protection experts.
Put simply, Life Insurance is a product that provides a pay out should you die during the life of the policy. When it is set up correctly it provides a tax free cash lump sum to your dependants. This can go towards paying off a mortgage, helping with the inheritance tax bill or be used to pay off any bills, debts and assist with every day living costs moving forward.
Sometimes, we have to think the unthinkable, and ask ourselves the right questions. What if I am not around anymore? Is my family safe? How will they fare without my income? Are they free from the burden of debt and worry? And how can I make sure life goes on if I am no longer there?
Nobody wants to dwell on these questions for longer than they have to. All you need to do is take enough time and care to make sure there is a policy in place to provide for your loved ones if the worst happens. Then you and your family can get on with doing the thing you enjoy most: living your life.
There are six main types of Life Insurance. Each is designed to meet a particular need when death occurs.
- Term Assurance (level) is designed to pay out a fixed level of benefit on death (or terminal illness) during the selected term of the policy. Its value may be eroded by inflation.
- Increasing Term Assurance pays out an increasing level of benefit during the selected term of the policy. This increase can be aligned to a set percentage, or to a recognised index such as the Retail Price Index (RPI).It is designed to maintain the value of the benefit at or above inflation.
- Mortgage Protection Insurance reflects the reducing capital value of a repayment mortgage. The premium usually remains the same, but a claim in later years will be less that the initial sum assured.
- Family Income Benefit pays a regular income rather than a lump sum when a successful claim is made. The income will be paid only for the remaining period of the policy term, which makes it what’s known as a reducing benefits policy. Premiums are normally lower than life cover with a lump sum payout.
- Whole of Life This policy remains in place for the full life of the insured person and will pay out the selected benefit whenever death occurs. The policy can be level or increasing. It is more expensive than the others, but guarantees to pay out so long as premiums are kept up to date.
- Guaranteed 50-Plus Life plan As its name suggests, this is designed for people who are 50 years old and over, and guarantees that all applicants will be accepted, irrespective of their health. There is an initial waiting period of one or two years before a claim can be made on the policy
Critical Illness there to provide a financial cushion if you are diagnosed with a critical illness or need to undergo a major medical procedure. The cover is for specified illnesses and procedures, and provides you with a one-off payment in the event of a diagnosis, surgery and treatment. Since the risk of developing a serious illness is higher than dying it is worthwhile having a product in place to cover this eventuality.
Developing an illness could have a drastic impact on your finances as you may have to reduce working hours or have to stop working entirely.
Critical illness cover offers peace of mind should something serious happen. When choosing to take out critical illness cover, it is crucial to consider your current lifestyle and health risks as well as taking into account future eventualities.
According to the Office for National Statistics (ONS), people of working age are four times more likely to get a critical illness than they are to die. While advances in care and ground-breaking new treatments improve our chances of surviving a critical illness, they come at a cost – and many people simply can’t afford it. This is why Critical Illness cover can make a life-changing difference to you and your family.
Many people choose to take out a Critical Illness policy on top of their Life Insurance cover. Bear in mind that Life cover pays out only on death or terminal illness.
The most common illnesses are cancer, stroke and heart attack. Most Critical Illness policies cover an average of 39 diseases and conditions. Your policy could cover you for more than this, depending on the level of cover you choose. It is best to talk through the different policy options with an independent expert.
As Health & Protection Specialists we are uniquely positioned in the market to provide you with a comprehensive protection insurance offering. We are whole of market brokers who work on your behalf with your benefit in mind when choosing the correct policy. This means we don’t work for just one insurer and have a large choice of products to choose from. With access to over 45 insurers, including all the major insurance providers, each with a variety of products, and options available. Every client has different and diverse needs and each case needs to be managed uniquely and appropriately.
Our specialists are fully knowledgeable, compliant and continuously updated and educated on each of our products. Making sure we are best suited to advise you correctly.
Our excellent relationships with the insurers, underwriters and processing teams allow us to facilitate a smooth, professional service, and guide you through the entire process of taking out a Protection Insurance to your absolute satisfaction.
Feel free to call us for a no obligation, friendly chat regarding your protection needs.