FOSTERS Life

FOSTERS Life is a small friendly team of Protection Advisors based in Clevedon and covering the whole South West. We offer a range of protection services for both personal insurance and business insurance. There is never a direct cost to you or your business by using our services as we are paid on a commission only basis from the provider.

Life insurance is fairly simple with a few options. It does what it says on the tin and pays out a lump sum should you die within the term of the policy. These policies can be taken individually or as a joint policy with a partner paying out only once. The premiums depend on many factors such as age, length of policy, health of an applicant and if you are a smoker.

With a typical Job Seekers Allowance and Statutory Sick Pay set under 100 a week, it is clear that a lot of people would struggle to cope financially should they fall ill and not be able to get back to work straight away. This is where income protection comes in. Designed to give you a monthly income should you be unable to work and ensure you are able to continue to pay all your normal bills, mortgages or rent.

A family income benefit policy is designed to protect your dependants and loved ones financially should something happen to you. A policy would provide a tax-free lump sum to your family every month for the duration of the policy term. This can be in the event of death or even upon diagnoses of a critical illness.