At Eddie Murphy Financial Services, we believe true financial planning doesn’t end with securing a mortgage - it continues with protecting the life you’ve built. We offer expert, independent advice on a full range of insurance solutions designed to provide peace of mind and financial stability, whatever life brings.
Protect what matters most
If the unexpected happens - illness, injury, or death - would your loved ones be financially secure? Our tailored insurance advice helps you plan for the “what ifs” of life, ensuring your home, income, and family are protected no matter what.
Types of protection we specialise in
Life insurance
Life insurance provides a lump sum payout to your loved ones if you pass away during the policy term. It’s designed to help cover mortgage repayments, living expenses, and other financial commitments, ensuring your family can maintain their standard of living.
Level term: Fixed payout amount over a set term. Ideal for covering a mortgage or family expenses.
Decreasing term: Payout reduces over time - commonly used alongside a repayment mortgage.
Critical illness cover
Critical illness insurance pays out a tax-free lump sum if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke. This cover is designed to help you manage treatment costs, household bills, or mortgage payments while focusing on your recovery.
Income protection
Income protection provides a monthly income if you’re unable to work due to illness or injury. It typically pays out until you recover, reach retirement age, or the policy ends - whichever comes first.
Family income benefit
Instead of a lump sum, Family Income Benefit pays out a regular monthly or annual income to your loved ones if you pass away. It’s ideal for families who want to ensure ongoing financial support for everyday living costs such as rent, childcare, or education.
Business protection
If you’re a business owner, we can also advise on relevant business protection solutions, including key person cover, shareholder protection, and relevant life plans.
