Of the estimated 4.5 million SME’s
in the UK, most don’t have the
level of business protection
J.Osborne provide a range of protection products to protect yourself, your family and your business.
What does protection insurance cover?
Protection insurance is designed to cushion you or your family against the impact of unexpected, and potentially costly, events, including illness, accident, unemployment and death. There is a wide range of products available, each serving a different purpose, from life insurance, income protection to critical illness cover.
Why do I need protection insurance?
If you were off work for any length of time because of an accident or sickness, or if you were made redundant, there are still bills you’d need to pay, such as your rent or mortgage, gas, electricity and food.
Ideally we’d each have an emergency savings pot to see us through – many experts suggest having a rainy day fund however, that’s just not practical for many of us. And while it may give you breathing space if you fall ill, it won’t cover you or your family for long periods off work.
You should also bear in mind that the state benefit safety net increasingly won’t pay you enough to maintain your current lifestyle.
Which protection insurance product do I need?
There is a wide range of protection insurance policies on offer, all of which protect you against different events, and with widely varying cover levels. For most people, one single protection product probably isn’t enough. For example, while life insurance will pay out if you die, it won’t cover you for long-term illness or unemployment.
Think first about what you want to protect and let J Osborne’s find the right policy for you.
Group risk form an integral part of an employer’s benefit package.
Providing the right products at the right price can help with attracting, retaining and ensuring you get the most out of your staff.
Provides financial peace of mind to employees and their families.
Group Income Protection
Provides a regular income should illness or injury strike.
Group Critical Illness
Provides a tax free lump sum if an employee suffers a critical illness.
Key Man Insurance
How would your business cope if a key person died or became seriously ill? This product helps you safeguard your business against the effects of losing key staff.
Protecting yourself and your family against unforeseen circumstances is something we believe everyone should consider. This could be protecting against premature death, providing for dependants or protecting against the loss of earnings due to serious illness.
Life or Critical Illness Cover
This is a way of making sure your dependants are financially stable if you die or are diagnosed with a terminal or critical illness or are permanently disabled.
Income Protection Cover
If you were unable to work because of an illness or accident, this would pay you a monthly amount, after a deferred period chosen by you.