The staff at SFS listen carefully and advise wisely. They provide a flexible and personal service which gives great reassurance that you've been offered the most appropriate cover for all the crazy things you do! I have dealt with this company on many occasions and would always trust their advice. They are experts in life insurance and also understand the risks involved in just about any outdoor activity you can think of!

If you are a mountaineer, climber, etc they will get you the best cover and best rates available. Summit Financial Services offers Life Insurance, Critical Illness Cover and Income Protection for climbers, hill walkers and mountaineers.

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Summit Financial Services specialises in arranging life insurance, critical illness cover, income protection and private medical insurance for climbers, mountaineers and hillwalkers. Specialist terms have been obtained for members of the BMC and Mountaineering Scotland. Unlike many other companies who do not specialise, we aim to provide the best quote which already includes cover for your sport.

Life Insurance

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To clear your outstanding mortgage balance (Mortgage Protection) or pay a lump sum if you die (Family Protection). This plan is designed to provide you with a guaranteed benefit payable on death. The sum assured will decrease over the term of the plan and is normally used in connection with a Capital Repayment Mortgage, where the balance of your outstanding mortgage will decrease over the term.

Critical Illness Cover

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This benefit is usually taken as an optional benefit to a Mortgage Protection or Family Protection plan. Critical Illness Cover would provide a lump sum benefit on diagnosis of a Critical Illness covered by the policy. The amount of benefit paid would be the same amount as your basic death benefit.

Income Protection

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You never know when an accident or ill health could strike and seriously affect your finances. Income Protection policies help replace part of your regular earned income, after an agreed deferment period, while you are off work. The risks covered can include disability, illness, accidents sustained at work or during your leisure activities.

Medical Insurance

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Private medical insurance provides quick access to private medical treatment for you and your loved ones. Private medical insurance (PMI) is designed to cover the cost of private medical treatment for 'acute conditions' that start after your policy begins.

A policy covers a variety of diagnostics to identify the disease, illness or injury and offers the best course of treatment to return you to the state of health you were in before suffering the disease, illness or injury.PMI is available in a range of different cover levels. A policy can be designed around your requirements and circumstances to suit your budget.

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