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Personal & Business Insurance

Personal and business insurance products are sometimes most valuable when protecting our families, incomes, property or business.

Insurance advice personalised for you.

There are many ways in which a family or business can protect itself.

Personal and Business Insurance can cover an extensive range of products.

We will discuss in detail with you the areas of personal or business insurance you wish to cover.

With our years of experience and the use of technology, we will find the right solution, which will give you peace of mind in knowing you have taken the proper steps to protect what is important to you, and is always up to date.

Personal Insurance

There are several ways to protect yourself and your family due to an untimely death. 

Life Insurance:

Most people take out life insurance to protect families and alleviate financial worries at a difficult time. 

It is designed to replace a deceased person’s income and can help you to pay off debts, such as mortgages or other loans.

Health Insurance and Critical Illness:

These plans are becoming more popular as people seek help with financial issues when ill health occurs. 

These types of plans generally allow you to receive a lump sum benefit to be paid to you in the event of diagnosis of certain critical illnesses, such as Heart Attack, Stroke, Transplant, etc.

Paying off debt:

Critical Illness plans can also be used to pay off debts and help with the undoubted changes to circumstances and lifestyles when such an illness occurs.

Business Insurance

Key person protection:

Businesses may want to protect the key employees within their firm. Perhaps the Key salesperson or the IT manager, without whom the company will not function properly.

It can provide a fixed sum should the individual be unable to work or even die.

You can design the plan to cover the firm’s expenses in meeting any emergency costs, recruiting a replacement employee, and protecting the future of the business.

Shareholder Protection:

You can use Business Insurance to insure a key shareholder or director if they pass away.

The company’s remaining shareholders or directors may want to purchase the deceased’s shares from their estate promptly to maintain control of their business.

Spectrum Independent provides advice and guidance across an extensive range of insurances, from insuring your property, life and business. 

Please get in touch with us if you wish to discuss your needs.


Let’s have a chat about your insurance requirements