Every day we are seeing an increased strain put on our NHS, which is leading to increased waiting times to receive a diagnosis and treatment plan. Our aim is give clients access to a range of comprehensive Private Medical Insurance (PMI) policies, that cover the cost of accessing diagnosis and treatment for eligible conditions in private hospitals or wards, with your choice of specialist. At Lloyd & Co, we everyone create a tailored health and well-being plan that will give you peace of mind knowing that if you fall ill, you will have access to quick diagnosis and treatment.
Healthcare cash plans allow you to claim cash back for routine healthcare cost that you come across on a daily basis. This tangible benefit will give you the opportunity to take an proactive approach towards your health without the worry of being out of pocket. This increasingly popular benefit can be used to work alongside a Private Medical Insurance plan or act as a standalone product. Lloyd & Co will independently review the market to find the best provider to suit your needs.
Nobody likes to receive an unexpected dental bill, so by purchasing a dental plan this can remove the stress and worry of any unexpected costs. By paying a regular monthly amount, you would have peace of mind that most of your dental costs would be covered under theplan.
Having a suitable benefits structure for yourself while you are based internationally is not straightforward. Our team of experts work with you to establish the best path forward to ensure that when you are outside of the UK then you have a benefits package to suit your needs.
A Life policy will give you peace of mind, knowing that if you die then your family and dependents will receive a tax free lump sum to cover your financial commitments. A feature of these policies are that they are not treated as a taxable benefit and fit in nicely as a repayment vehicle for your mortgage or debts.
Upon the diagnosis of a wide range of serious or life-threatening conditions such as cancer, heart attacks and strokes, a Critical Illness policy would pay out a tax free lump sum to you to help your family with your financial commitments. Critical Illness policies are often used as a repayment vehicle alongside a mortgage to cover debts should you suffer a Critical Illness.
If you are prevented from working because of a long-term illness or injury, an Income Protection policy will provide a financial benefit and rehabilitation support. A feature of these plans is that they pay a proportion of your salary should you be unable to work due for an extended period of time.
Regardless of the life stage you have arrived at, it is important to receive expert and professional advice on your pension plans and requirements. Whether you need to set up or review existing retirement planning strategies, for you or your employees, Lloyd & Co can point you in the right direction.
There are so many ways you can protect yourself and your family against financial hardship in the event of death, illness or loss of earnings. The key to any protection is assessing the probability of its requirement. It’s often hard to see the benefit of protection until it is needed, and then it’s too late. It can be scary to talk about and ask yourself those questions.
There is no such as thing as ‘one size fits all’. Individual needs, wants and dreams are specific. Determining what you need, want and dream about is what we do best. It’s what we live and breathe every day and we couldn’t do what we do if it didn’t make a difference to people’s lives. You may have one need, want or dream, or you may have many. Either way, let’s see if we can bring it to life.
Here are some of the things people come to see us about – it’s not an exhaustive list, but technically it’s what we do. We try to keep things simple so the icons below will tell you the basic idea. If you want to know more please feel free to get in contact.
Private Medical Insurance
Every day we are seeing an increased strain put on our NHS,