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Medical Team

Life & Critical Illness

Are you looking for Life Insurance and Critical Illness Protection?


We’d all like to live like Peter Pan – with all of us avoiding the aging process everyday. Unfortunately, life’s not like that and we all need to consider protection. At Beneco Financial Services, we can explain and explore the merits of level or decreasing Life Insurance cover. Both options are designed to pay out a lump sum if you die during the term of the policy. The key difference is level cover will remain level throughout the policy term whereas decreasing will decrease in-line with your mortgage. 


Many people purchase critical illness cover from Beneco Financial Services with their life insurance, but it can be bought separately. Critical illness cover will pay out a tax-free lump sum if you’re diagnosed with a wide range of illnesses. Policies can vary between insurers and can vary in illnesses – with some covering the main diagnoses (cancer, stroke and heart attack) right up to 95+ critical illnesses. 

Would you be able to meet existing commitments if you were unable to work and bring home an income? 

We can also arrange private medical insurance for personal or business

Supporting you through the process

At Beneco Financial Services, we recognise that it’s not always easy for customers to compare products and services and understand the mountain of paperwork from various providers. That’s why we give customers our Beneco pledge to simplify insurance with;

  • A dedicated adviser to explain the shortlist of policy types and their differences at the outset

  • Comprehensive online tools to quickly assess the viability of mainstream and niche insurance providers 

  • A clear, concise breakdown of differences between policy quotes and what they cover – and critically what they don’t

  •  A dedicated case manager to process and track all stages of the process application

  • An automated reminder service at the end of term, to ensure sufficient time to explore better deals at the time 


How do we work? 

We do not charge arrangement or consultation fees for personal or business insurance services. After a quick fact-find call or meeting, we’ll explore the market for the best options and essential criteria for you to consider. We know the preferences, strengths and checklists for all the key insurance providers, so we’ll get you to the right solution swiftly and efficiently. 


Let’s chat, and start the process of establishing the right solution for you. 

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