Our Services
Covered by Karen offer advice on a variety of insurance products and each one of them is tailored to your requirements. Below is a list of the products we can advise on, with a link to find out more.
Life Insurance
This is a lump sum payout that will pay out in the event of your death or if you became terminally ill (less than 12 months to live). This product can be designed to protect your mortgage (decreasing term) or it can be a fixed lump sum (level term).
*This product is subject to medical underwriting
Critical Illness Cover
This is a lump sum payment that would you would receive in the event of a critical diagnosis. This product can be designed to protect your mortgage (decreasing term) or it can be a fixed lump sum (level term). The conditions covered and the definition of the severity can differ between providers, so it is important that you are aware of these before making a decision. *This product is subject to medical underwriting
Income Protection
This is an amount (% of income) that is paid out monthly in the event that you are unable to work due to illness or accident. This a policy that can vary the most. The pay out periods can vary, any
exclusions provided can vary, the deferred period can vary and the amount of cover can vary. This policy should be completely personalised to you and your job.
*This product is subject to medical underwriting
Whole of Life
This is a type of life policy that has no limited term. It runs until the death of the policy holder. It is designed for the over 50s who are wanting to ensure that their loved ones are not burdened with
the costs that can arise from their death – Funeral costs, legal fees, etc.
*This product is subject to medical underwriting
Child Cover
This product is designed to pay-out a lump sum in the event your child suffers an accident, critical illness or death. This can be taken as a stand-alone policy or be an ‘add on’ to other policies that
cover you. Child cover is not medically underwritten but excludes any existing conditions.
Multi-Protect
This provides a lump sum pay-out in the event of multiple injuries occurring due to an accident. The cover ranges from minor injuries such as dislocations, ligament damage and broken bones, right up to more serious injuries such as total permanent disablement and accidental death. This product is
NOT medically underwritten.
Covered by Karen's Core Values
Personal Service
From the initial chat, we personalise everything. From the times you are available to speak, right
through to the advice that is given to you. We know that each person, family or business has different needs and requirements from an insurance policy and adviser, and we always try our best to honour these. We do this by staying as flexible as possible with availability, so that we can fit in and around your schedule and we also ensure that we get to know you and your circumstances before giving advice; this means that you can be assured that the advice you receive is the right solution for YOU and you alone.
Aim to Educate
For us, it’s not about sales and targets, it’s about giving our client’s the best possible knowledge on the insurance products available. We believe that if you have the knowledge and understanding of the insurances that are available to you, you are in the best possible position to make an informed decision on what will give you the most peace of mind. We avoid using jargon, and don’t limit appointment times so you have as much time to ask all of the questions you feel necessary.
Right There With You
We don’t just give advice; we guide you through the entire process. From the first chat, through the appointment and answering any medical questions, we are there by your side, ensuring the process is as easy as possible. If you are in the unfortunate event of needing to claim on any policies, we will be there too. It is our belief that having insurance in place, is there to make life easier for you if a horrible event hits you or your family. It is also our belief that using an adviser, like us, should keep the stress of having to go through any type of claim to a bare minimum. We always do all we can to help.