Quite often we hear “it could never happen to me” or “I’ll sort it out later”. The old maxim of ‘failing to plan is planning to fail’ is no better suited than to ignoring crucial decisions on protection.
Life is full of unexpected turns and for many people, ensuring that loved ones are taken care of at difficult times can offer crucial lifelines when the worst happens. The last thing anyone wants to worry about during life-changing times are paying the mortgage or covering the cost of living.
Similar issues should be considered for those who run their own business. The death or critical illness of key persons or partners can have a severe impact on the financial stability of companies. Protection can offer vital financial support in times of uncertainty.
There are many types of protection policies to choose from and finding the one that provides adequate cover and the right protection is not as easy as many people may think. As the quality of both life and critical illness cover can vary significantly between different providers, we can help you find the plan that best meets your requirements.
At Acornmain, we review the whole of the market to find the best plan to meet your circumstances. We consider all your personal and financial requirements to make sure the cover provided is suitable to protect those dearest to you should you die or become critically injured.
Please note most types of protection can be on an individual or group basis if the scheme is employer sponsored.
This type of insurance gives you the reassurance of knowing that, should the need arise, you and your family will get prompt access to private medical treatment. With NHS hospital waiting lists get longer, most people would prefer to be able to jump to the front of the queue, not join the back of it.
Most Private Medical Insurance policies will give you access to:
We offer all types of protection products for sponsoring employers including Group Life, Critical Illness, Income Protection and Private Medical Insurance.
These products can cover any number of employees from 1 to over 1,000 and are provided at competitive rates. This provides you, as the employer, with peace of mind that should an employee die, their beneficiaries would receive a multiple of their salary as a lump sum.
Group Critical Illness
This provides cover to employees with a lump sum should their diagnosis be critical/terminal. This allows the employee to have the time and funds to settle their financial affairs.
Group Income Protection
Employees covered by Group Income Protection are provided with a level of regular income should they be incapacitated and unable to work, either by illness or accident for a period of time to meet their regular outgoings. The income provided can be sufficient to meet those needs but in all cases is set at a lower level than the individual’s annual income, thus providing an incentive to return to work.
Group Private Medical Insurance
Should employees require medical help either by attending a consultation with a medical professional or indeed attending hospital for an operation, Group Private Medical Insurance would cover this allowing an employee to undergo the medical procedure and return to work at the earliest opportunity.
All of the aforementioned group plans help with the retention of staff and can improve employer/employee relations.