{"id":1517,"date":"2023-05-22T13:30:10","date_gmt":"2023-05-22T13:30:10","guid":{"rendered":"https:\/\/www.hansfordbell.co.uk\/?page_id=1517"},"modified":"2023-06-28T13:51:37","modified_gmt":"2023-06-28T13:51:37","slug":"critical-illness-and-life-protection-insurance","status":"publish","type":"page","link":"https:\/\/www.hansfordbell.co.uk\/critical-illness-and-life-protection-insurance\/","title":{"rendered":"Critical Illness and Life Protection Insurance"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container secondaryhero-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-min-height:60vh;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column column-padding\" style=\"--awb-z-index:9;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#990000;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Critical Illness and Life Protection Insurance.<\/h1><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column background-column\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-1294144617-scaled.jpg\" data-bg=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-1294144617-scaled.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30rem;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container wide-padding no-bottom-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 4rem );margin-left: calc(-4rem \/ 2 );margin-right: calc(-4rem \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:6rem;--awb-padding-right:4vw;--awb-padding-bottom:6rem;--awb-padding-left:4vw;--awb-bg-color:#edecdd;--awb-bg-color-hover:#edecdd;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:3rem;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:8rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three bio-name\" style=\"--awb-text-color:#990000;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Get an instant life cover quote.<\/h3><\/div><div class=\"fusion-text fusion-text-1\"><p>This is an example price based on \u00a3100,000 of life cover until you are aged 68 and no health issues. To allow us to contact you to discuss your individual circumstances and make recommendations tailored to you and your needs, please provide us with your email address, smoking status, and age.<\/p>\n<\/div><script type=\"text\/javascript\">var gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener(\"DOMContentLoaded\",o):document.addEventListener(\"gform_main_scripts_loaded\",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook(\"action\",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook(\"filter\",o,n,r,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return 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data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_6' style='display:none'>\n                        <div class='gform_heading'>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_6'  action='\/wp-json\/wp\/v2\/pages\/1517' data-formid='6' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_6' class='gform_fields top_label form_sublabel_below description_above'><div id=\"field_6_1\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_6_1\" ><label class='gfield_label gform-field-label' for='input_6_1'>Name<span class=\"gfield_required\"><span class=\"gfield_required 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gform-field-label--type-inline'>Male<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_6_5\" class=\"gfield gfield--type-radio gfield--type-choice gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_6_5\" ><legend class='gfield_label gform-field-label' >Select Your Smoking Status<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_6_5'>\n\t\t\t<div class='gchoice gchoice_6_5_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_5' type='radio' value='smoker'  id='choice_6_5_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_6_5_0' id='label_6_5_0' class='gform-field-label gform-field-label--type-inline'>Smoker<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_6_5_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_5' type='radio' value='nons'  id='choice_6_5_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_6_5_1' id='label_6_5_1' class='gform-field-label gform-field-label--type-inline'>Non Smoker<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_6_7\" class=\"gfield gfield--type-text gfield--width-full field_sublabel_below gfield--has-description field_description_above hidden_label gfield_visibility_hidden\"  data-js-reload=\"field_6_7\" ><div class='admin-hidden-markup'><i class='gform-icon gform-icon--hidden'><\/i><span>Hidden<\/span><\/div><label class='gfield_label gform-field-label' for='input_6_7'>Price<\/label><div class='gfield_description' id='gfield_description_6_7'>Price per month:<\/div><div class='ginput_container ginput_container_text'><input name='input_7' id='input_6_7' type='text' value='' class='large'  aria-describedby=\"gfield_description_6_7\"    aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_6_12\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted field_sublabel_below gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_6_12\" ><div style=\"margin-top: 1rem;\">*Please Note: this is an indicative quote and does not constitute advice.  <\/div><\/div><div id=\"field_6_13\" class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_6_13\" ><label class='gfield_label gform-field-label' for='input_6_13'>Security Question<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_13' id='input_6_13' type='text' value='' class='large'    placeholder='What does 4 plus 3 equal?' 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style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three bio-name\" style=\"--awb-text-color:#990000;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">How Hansford Bell can help you.<\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p>Critical illness, life protection, and income protection insurance all help to safeguard your finances should the worst happen.<\/p>\n<p>Protecting your finances against the unexpected is key to achieving financial independence. Our team at Hansford Bell offer independent, no non-sense advice for clients looking into protection insurance.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3 align-self-end\"><p><a class=\"custom-bttn\" href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Get in Touch<\/a><\/p>\n<\/div><div class=\"fusion-menu-anchor\" id=\"get-a-quote\"><\/div><div class=\"fusion-menu-anchor\" id=\"quote\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-radius:50rem 50rem 0px 0px;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-8555216401.jpeg\" data-bg=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-8555216401.jpeg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:40rem;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:5rem;--awb-padding-right:3rem;--awb-padding-bottom:3rem;--awb-padding-left:3rem;--awb-bg-color:#fbfaf5;--awb-bg-color-hover:#fbfaf5;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:0;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">Critical Illness Cover<\/h4><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-content-alignment:center;\"><p>Financial protection plan in the case you are diagnosed with a critical illness like cancer.<\/p>\n<\/div><div class=\"fusion-text fusion-text-5 align-self-end\" style=\"--awb-content-alignment:center;\"><p><a class=\"custom-bttn\" href=\"#critical-illness-protection\">Learn More<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:5rem;--awb-padding-right:3rem;--awb-padding-bottom:3rem;--awb-padding-left:3rem;--awb-bg-color:#f4f3e9;--awb-bg-color-hover:#f4f3e9;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:0;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">Life Insurance<\/h4><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-content-alignment:center;\"><p>Financial protection for your family in the event of your death.<\/p>\n<\/div><div class=\"fusion-text fusion-text-7 align-self-end\" style=\"--awb-content-alignment:center;\"><p><a class=\"custom-bttn\" href=\"#life-cover\">Learn More<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:5rem;--awb-padding-right:3rem;--awb-padding-bottom:3rem;--awb-padding-left:3rem;--awb-bg-color:#edecdd;--awb-bg-color-hover:#edecdd;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:0;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0;--awb-spacing-left-medium:0;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0;--awb-spacing-left-small:0;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">Income Protection Insurance<\/h4><\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:center;\"><p>Replace your income if you are unable to work due to illness or incapacity.<\/p>\n<\/div><div class=\"fusion-text fusion-text-9 align-self-end\" style=\"--awb-content-alignment:center;\"><p><a class=\"custom-bttn\" href=\"#income-protection\">Learn More<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div id=\"income-protection\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background wide-padding no-bottom-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 4rem );margin-left: calc(-4rem \/ 2 );margin-right: calc(-4rem \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#353424;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Income Protection.<\/h1><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;margin-bottom:3rem;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:rgba(53,52,36,0.2);border-color:rgba(53,52,36,0.2);border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-10\"><p>What would you do if you had to stop working because of illness or incapacity? Would you or your partner have the ability to cover your household expenses? Income protection insurance helps to alleviate this worry.<\/p>\n<p>This protection pays you an agreed monthly income if you are unable to work because of sickness, disability, or incapacity. Depending on the level of cover this payment will last until you return to paid work, or you reach retirement age.<\/p>\n<p>Typically you will get between half and two thirds of your earnings before tax. You will also have to wait at least 4 weeks or a month before you can make a claim.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:0px;--awb-icon-size:16px;--awb-content-font-size:1.6rem;--awb-icon-alignment:left;--awb-hover-color:#d8e7f0;--awb-border-color:#d8e7f0;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#990000;--awb-title-color:#990000;--awb-content-color:#353424;--awb-icon-box-color:rgba(153,0,0,0);--awb-toggle-hover-accent-color:#990000;--awb-title-font-family:Georgia, serif;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:2.1rem;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1517-1\"><div class=\"fusion-panel panel-default panel-bf9e118e2e93e870e fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_bf9e118e2e93e870e\"><a aria-expanded=\"false\" aria-controls=\"bf9e118e2e93e870e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-1\" data-target=\"#bf9e118e2e93e870e\" href=\"#bf9e118e2e93e870e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What are the benefits of income protection? <\/span><\/a><\/h4><\/div><div id=\"bf9e118e2e93e870e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_bf9e118e2e93e870e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul>\n<li>Income protection insurance can help ensure to maintain a certain income to help you cover your monthly expenses while you\u2019re unable to work. This can prevent you from having to take on debt or sell assets during sickness or incapacity.<\/li>\n<li>Income protection insurance covers you for a more extensive range of illnesses and conditions compared to critical illness cover and is paid over a shorter period of time.<\/li>\n<li>Income protection insurance can also cover you should you have to take time off work to care for a sick child or family member.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-95331f09b3461c22c fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_95331f09b3461c22c\"><a aria-expanded=\"false\" aria-controls=\"95331f09b3461c22c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-1\" data-target=\"#95331f09b3461c22c\" href=\"#95331f09b3461c22c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What does income protection cover? <\/span><\/a><\/h4><\/div><div id=\"95331f09b3461c22c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_95331f09b3461c22c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Income protection insurance typically covers between 50% &#8211; 66% of your average monthly income. This is calculated through \u2018what you would normally earn in your job\u2019 minus \u2018any benefits you would get\u2019 minus \u2018work related expenses food, travel, or clothing\u2019.<\/p>\n<p>This can be difficult to calculate, working with an independent financial advisor can help to ensure you have calculated the most accurate costs for your particular circumstances.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3028330fb9406e986 fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3028330fb9406e986\"><a aria-expanded=\"false\" aria-controls=\"3028330fb9406e986\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-1\" data-target=\"#3028330fb9406e986\" href=\"#3028330fb9406e986\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How much does income protection cost? <\/span><\/a><\/h4><\/div><div id=\"3028330fb9406e986\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3028330fb9406e986\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>There are several factors which could impact your premium, from your current health and the value you are wanting to receive. Income protection insurance is often one of the highest costing insurances, however there tends to be fewer exclusions with these policies should the worst happen.<\/p>\n<p>Working with an independent financial planner like Hansford Bell, we can look over the policies with you and evaluate the best choice for you.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Find income protection insurance with Hansford Bell &gt;<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><\/div><div class=\"fusion-text fusion-text-11 align-self-end\"><p><a class=\"custom-bttn\" href=\"#get-a-quote\">Get a Quote<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-radius:50rem 50rem 0px 0px;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-1083594811-e1684943836714.jpeg\" data-bg=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-1083594811-e1684943836714.jpeg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:40rem;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"critical-illness-protection\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background wide-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 4rem );margin-left: calc(-4rem \/ 2 );margin-right: calc(-4rem \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-position:left center;--awb-bg-size:cover;--awb-border-radius:50rem 50rem 0px 0px;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:60%;--awb-order-medium:1;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-11829479221-e1684943792661.jpeg\" data-bg=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/iStock-11829479221-e1684943792661.jpeg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:40rem;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#353424;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Critical Illness Protection.<\/h1><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;margin-bottom:3rem;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:rgba(53,52,36,0.2);border-color:rgba(53,52,36,0.2);border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-12\"><p>If you are diagnosed with a serious illness, such as a stroke, heart attack, certain cancers or Parkinson\u2019s disease you may be unable to work, or need to make alterations to your home. This insurance policy would provide a one-off, tax-free payment to help you pay your bills, make adjustments to your home, or pay for treatments.<\/p>\n<p>It is important to note, critical illness does not pay out for any critical illness, the policy will only pay out for specified conditions. Protecting yourself against more conditions could increase the price of your premiums.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Learn more about whether critical illness cover with an independent financial advisor at Hansford Bell &gt;<\/a><\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:0px;--awb-icon-size:16px;--awb-content-font-size:1.6rem;--awb-icon-alignment:left;--awb-hover-color:#d8e7f0;--awb-border-color:#d8e7f0;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#990000;--awb-title-color:#990000;--awb-content-color:#353424;--awb-icon-box-color:rgba(153,0,0,0);--awb-toggle-hover-accent-color:#990000;--awb-title-font-family:Georgia, serif;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:2.1rem;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1517-2\"><div class=\"fusion-panel panel-default panel-79e8906ec127b6f9e fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_79e8906ec127b6f9e\"><a aria-expanded=\"false\" aria-controls=\"79e8906ec127b6f9e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-2\" data-target=\"#79e8906ec127b6f9e\" href=\"#79e8906ec127b6f9e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">When do you need critical illness cover? <\/span><\/a><\/h4><\/div><div id=\"79e8906ec127b6f9e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_79e8906ec127b6f9e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If your family heavily relies on your income to cover monthly expenditure or you have limited savings, you should consider taking out this policy. This policy will help your family cover basic expenses like mortgage payments and utilities while you are out of work, alternatively the money could also be used to help make alterations to your home.<\/p>\n<p>If you have a family history of a medical condition, it is also worth taking out this cover, as it is possible you will have a higher chance at developing a critical illness. However, it is worth noting some providers may increase your premium or refuse your cover so it is worth checking the fine print of the policy.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Learn more about whether critical illness cover would be suitable for you by booking a consultation with an independent financial advisor at Hansford Bell &gt;<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d90807576af298328 fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d90807576af298328\"><a aria-expanded=\"false\" aria-controls=\"d90807576af298328\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-2\" data-target=\"#d90807576af298328\" href=\"#d90807576af298328\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How much should you insure against? <\/span><\/a><\/h4><\/div><div id=\"d90807576af298328\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d90807576af298328\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Critical illness cover is commonly taken out with other insurance policies, such as life insurance and income protection. The protection cover you need will vary greatly depending on your current financial position.<\/p>\n<p>You will need to ensure you have enough cover for debt of all kinds, credit cards, short term loans, and mortgages. Will you have enough cover to pay these off if you can no-longer work.<\/p>\n<p>Are you expecting your monthly expenditure to increase in the coming years, will you have dependents such as children who will need your financial support, is your partner planning on stopping work to raise children or retire?<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/what-is-financial-resilience\/\">Read more about financial resilience &gt;<\/a><\/p>\n<p>This will all impact the level of cover you need. Working with an independent financial advisor such as Hansford Bell can help you evaluate your financial position and find the most relevant cover for your needs.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e25a2f58a6ab4bf61 fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e25a2f58a6ab4bf61\"><a aria-expanded=\"false\" aria-controls=\"e25a2f58a6ab4bf61\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-2\" data-target=\"#e25a2f58a6ab4bf61\" href=\"#e25a2f58a6ab4bf61\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can being a smoker impact your critical illness cover? <\/span><\/a><\/h4><\/div><div id=\"e25a2f58a6ab4bf61\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e25a2f58a6ab4bf61\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Being a smoker increases your risk of premature death and health complications, because of this many insurance providers will increase the cost of the insurance through premiums.<\/p>\n<p>Depending on your lifestyle \u2013 some insurers can make health assessments a requirement of coverage, however, this will vary depending on the provider. It is important not to lie on your insurance documents, should an insurance provider find out you are a smoker after your death they could reduce your pay out or cancel your policy all together.<\/p>\n<p>Working with an independent financial advisor can help you find the policy which is best value for money.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">See how Hansford Bell can help you &gt;<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><\/div><div class=\"fusion-text fusion-text-13 align-self-end\"><p><a class=\"custom-bttn\" href=\"#get-a-quote\">Get a Quote<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"life-cover\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background wide-padding no-bottom-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:9rem;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 4rem );margin-left: calc(-4rem \/ 2 );margin-right: calc(-4rem \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#353424;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Life Cover and Family Income Benefit.<\/h1><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;margin-bottom:3rem;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:rgba(53,52,36,0.2);border-color:rgba(53,52,36,0.2);border-top-width:2px;\"><\/div><\/div><div class=\"fusion-text fusion-text-14\"><p>Life cover, or life insurance, is an insurance policy which pays out a one-off lump sum payment in the event of your death. This money can help cover debts and contribute to other monthly expenditure your household need to cover.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-three bio-name\" style=\"--awb-text-color:#990000;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Life Insurance.<\/h3><\/div><div class=\"fusion-text fusion-text-15\"><p>While talking about death is a difficult subject, it is something you need to think about when making large financial decisions such as, buying a house, getting married, or starting a family. Life insurance can be paid out in the event of a terminal or critical illness diagnosis, however, this needs to be specified as a part of the insurance policy.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-three bio-name\" style=\"--awb-text-color:#990000;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Family Income Benefit.<\/h3><\/div><div class=\"fusion-text fusion-text-16\"><p>Family income benefits is a form of life cover. This policy pays out a regular yearly sum to your dependents or chosen recipients upon your death. This will continue until the policy ends or until the children reach the age of 18.<\/p>\n<p>This policy is like income protection insurance and is designed to provide a steady income to the family in the event of a death. This will help support dependents until they reach the age of 18.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Find the policy to best suit you with an independent financial advisor with Hansford Bell &gt;<\/a><\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:0px;--awb-icon-size:16px;--awb-content-font-size:1.6rem;--awb-icon-alignment:left;--awb-hover-color:#d8e7f0;--awb-border-color:#d8e7f0;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#990000;--awb-title-color:#990000;--awb-content-color:#353424;--awb-icon-box-color:rgba(153,0,0,0);--awb-toggle-hover-accent-color:#990000;--awb-title-font-family:Georgia, serif;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:2.1rem;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1517-3\"><div class=\"fusion-panel panel-default panel-79d720d8e6d98f41b fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_79d720d8e6d98f41b\"><a aria-expanded=\"false\" aria-controls=\"79d720d8e6d98f41b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-3\" data-target=\"#79d720d8e6d98f41b\" href=\"#79d720d8e6d98f41b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">When do you need life insurance? <\/span><\/a><\/h4><\/div><div id=\"79d720d8e6d98f41b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_79d720d8e6d98f41b\"><div class=\"panel-body toggle-content fusion-clearfix\">It is recommended you take out life cover when making a large financial commitment, such as buying a house or starting a family. This cover will allow you maintain your financial commitments even after your death, this can also help provide security and comfort to family members.<\/p>\n<p>Many mortgage providers also recommend applicants take out life insurance with their mortgage to cover the outstanding sum in the event of their death. Speaking to an independent financial advisor such as Hansford Bell can help you understand your financial position and choose the right life insurance policy.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d063c8846f27727ff fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d063c8846f27727ff\"><a aria-expanded=\"false\" aria-controls=\"d063c8846f27727ff\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-3\" data-target=\"#d063c8846f27727ff\" href=\"#d063c8846f27727ff\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can I get life insurance cover through my employer? <\/span><\/a><\/h4><\/div><div id=\"d063c8846f27727ff\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d063c8846f27727ff\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Some employers do offer life insurance or death in service benefits as a part of their compensation packages. However, these should be carefully reviewed, as they can often have certain restrictions of limitations which can impact your total pay out.<\/p>\n<p>Working with an independent financial advisor like Hansford Bell can help you to understand your current cover and advise you on the right policy to maximise your cover should the worst arise.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">Speak to one of the team at Hansford Bell today to see how we could help &gt;<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7ed45ab45c7232e8b fusion-toggle-no-divider\" style=\"--awb-title-color:#990000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7ed45ab45c7232e8b\"><a aria-expanded=\"false\" aria-controls=\"7ed45ab45c7232e8b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1517-3\" data-target=\"#7ed45ab45c7232e8b\" href=\"#7ed45ab45c7232e8b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can being a smoker impact your life insurance? <\/span><\/a><\/h4><\/div><div id=\"7ed45ab45c7232e8b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7ed45ab45c7232e8b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Being a smoker increases your risk of premature death and health complications, because of this many insurance providers will increase the cost of the insurance through premiums.<\/p>\n<p>Depending on your lifestyle \u2013 some insurers can make health assessments a requirement of coverage, however, this will vary depending on the provider. It is important not to lie on your insurance documents, should an insurance provider find out you are a smoker after your death they could reduce your pay out or cancel your policy all together.<\/p>\n<p>Working with an independent financial advisor can help you find the policy which is best value for money.<\/p>\n<p><a href=\"https:\/\/www.hansfordbell.co.uk\/contact-us\/\">See how Hansford Bell can help you &gt;<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><\/div><div class=\"fusion-text fusion-text-17 align-self-end\"><p><a class=\"custom-bttn\" href=\"#get-a-quote\">Get a Quote<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-radius:50rem 50rem 0px 0px;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/IMG_2107-scaled.jpg\" data-bg=\"https:\/\/www.hansfordbell.co.uk\/wp-content\/uploads\/IMG_2107-scaled.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:40rem;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container wide-padding nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#353424;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:calc( 100% + 4rem );margin-left: calc(-4rem \/ 2 );margin-right: calc(-4rem \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-left:0px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left sm-text-align-center\" style=\"margin:0;\">What our clients have to say\u2026<\/h1><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:rgba(237,236,221,0.2);border-color:rgba(237,236,221,0.2);border-top-width:2px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2rem;--awb-margin-bottom-large:2rem;--awb-spacing-left-large:2rem;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2rem;--awb-spacing-left-medium:2rem;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2rem;--awb-spacing-left-small:2rem;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-1 about-testimonials\" style=\"--awb-textcolor:#ffffff;--awb-backgroundcolor:rgba(255,255,255,0);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color3);--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;\" data-random=\"0\" data-speed=\"4000\"><div class=\"reviews\"><div class=\"review active-testimonial no-avatar\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>\u201cHansford Bell has been a fantastic company to work with for all my family\u2019s finances. They have helped us with mortgages, pensions and personal financial planning. A lovely friendly team I would highly recommend.\u201d<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"company-name\"><strong>Christian Colam<\/strong><span>, <\/span><span>Google review<\/span><\/span><\/div><\/div><div class=\"review no-avatar\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>Christopher is an absolute professional and very knowledgeable. He was extremely patient in explaining some of the documents to me. I would recommend Chris wholeheartedly.<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"company-name\"><strong>Verified Client<\/strong><span>, <\/span><span>Vouchedfor review<\/span><\/span><\/div><\/div><\/div><div class=\"testimonial-pagination\" id=\"fusion-testimonials-1\"><a href=\"#\" aria-label=\"Testimonial Pagination\"  class=\"activeSlide\"><\/a><a href=\"#\" aria-label=\"Testimonial Pagination\" ><\/a><\/div><\/div>\/*<script>\njQuery(document).ready(function() {\n    jQuery('#wrapper .company-name').each(function(e){\n      var rating = jQuery(this).children('span').text();\n      var number = parseInt(rating);\n      jQuery(this).addClass('rating_' + number + '');\n  });\n});\n<\/script>*\/<\/div><\/div><\/div><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1124,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Critical Illness &amp; Life Protection | Hansford Bell<\/title>\n<meta name=\"description\" content=\"Safeguard your finances against the unexpected. Find out more about critical illness cover, life protection, and income protection.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hansfordbell.co.uk\/critical-illness-and-life-protection-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Critical Illness &amp; Life Protection | Hansford Bell\" \/>\n<meta property=\"og:description\" content=\"Safeguard your finances against the unexpected. 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