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Moneywales introduces to Moneymappers is a trading style of WPS Wealth which is an appointed representative of the WPS Financial Group which is authorised and regulated by the Financial Conduct Authority. (FRN 583474)


The Financial Conduct Authority does not regulate Legal Services, Accountancy Services, Will services, conveyancing services and some forms of Mortgages.


The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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Types of Protection

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We have access to the UKs' leading insurance companies and competitive premiums on policies such as life insurance, critical illness cover and income protection. Call us today on 


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Life Insurance



Life insurance policies pay out if you die or have a terminal Illness within a specified period.   If you have financial dependents or liabilities, for example a mortgage, then it is important that you consider taking out a life insurance policy to protect the financial security of your loved ones in the event of your death.


There are different types of Life Assurance available to you, and we can advise you on which would be the best type of cover for you and how much cover would be suitable for you and over what term.


Here is a brief description of the main types of life cover:


Level Term Assurance: The amount that you are insured for is guaranteed and remains unchanged throughout the term of the policy.  It is often used to cover interest only mortgages and loans or for family protection.  The payout is a tax free lump sum upon a successful claim.


Increasing Term Assurance: This is very similar to Level Term Assurance, however the sum assured increases each year with the Retail Price Index (or at a fixed percentage if required) to negate the effects of inflation.  The payout is a tax free lump sum upon a successful claim.


Decreasing Term Assurance: Sometimes known as Mortgage Protection, this type of cover decreases throughout the term of the policy and is essentially only used to protect a Capital & Repayment Mortgage.  The payout is a tax free lump sum upon a successful claim.


Whole of Life:  This type of cover can be arranged on a Level of Increasing basis, and differs from Term Assurance as it does not have a term, so the major benefit is that it pays whenever you pass away, as opposed to passing away within a specified term. The payout is a tax free lump sum upon a successful claim.

Income Protection

An Income Protection Policy is one of the most important insurances that you can consider, as without your income, your life style could change dramatically. What would you do if you could not work due to disability or ill health? If you had a reduced income, how would you pay your bills? Could you survive on State Benefit alone?


An Income Protection Policy is designed to protect your income if you are unable to work as a result of disability or ill health. Unlike an ASU policy which typically has a maximum term of 1 or 2 years, an Income Protection policy can have a significantly longer term, and typically upon a successful claim would pay out a monthly tax-free income until you recover or until your specified age of retirement after a specified deferment period. Unlike an ASU policy, Income Protection policies typically do not protect you against redundancy.


The maximum cover you can have is typically between 50-60% of your gross income, however, as the benefit is paid tax free, you can replace a high percentage of your income in the event of long term incapacity.

Critical Illnes Cover

No one likes to think about suffering from a Critical Illness, but one thing is for sure, if you were to become critically ill, the last thing you will want to worry about is your finances.


Critical Illness typically pays out a lump sum if you survive a specified critical illness, such as some forms of Cancer, a Stroke, Multiple-Sclerosis, Heart Attack, Kidney Failure, Blindness, Deafness and many more. You can use the payout to pay off your mortgage, medical expenses or even go on holiday – it’s entirely up to you! In addition, your children are usually covered under the policy Free of Charge.


You can choose as much or as little cover as you need, and we will help tailor a quote to fit within your budget. Cover can be relatively cheap, and this includes life insurance, so it can be great value for money.


To ensure we find you the most competitive & comprehensive policy we source quotes from a range of leading insurance companies.

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