John Monk Associates   “Thatched Property Insurance”          “Household Insurance”          “Landlord's Rented Property Insurance”         “Commercial Insurance”          “Motor Insurance”          “Commercial Vehicle Insurance”          

spaceays banner

spaceAYS Insurances
spaceThatched Properties
spaceHousehold Insurance
spaceMotor Insurance
spaceRented Property Insurance
spaceCommercial Policies
spaceLife Assurance 
spacePensions, Savings and Investments 
spaceContact Us

Life Assurance,  Critical Illness and Private Medical Insurance.

Life assurance can be used to repay a mortgage upon death, protect income, loved ones and businesses and, in certain circumstances, can be arranged in such a way as to minimise the effect of tax. 


Critical Illness insurance can be used to repay a mortgage or other expenses in the event of being diagnosed with a listed serious illness.


Private medical Insurance can be used instead of using the National Health Service.


There are many forms of Life Assurance, Critical Illness and Private Medical Insurance. Choosing the right one for you can depend upon a number of factors including tax, cost and the protection required.  We will ensure you find a solution that provides peace of mind.


If during our conversations we discover your needs are Investments, Mortgages or Pensions we will introduce you to a qualified Independent Financial Adviser.


For Life Assurance, Critical Illness or Private Medical Insurance cover please ring Roger Penny on 01279 871029 ext 5 or email Roger on









AYS Insurances is a Trading Division of AYS Financial Services who are authorised and regulated by the Financial Conduct Authority.
Firm No. 301617

AYS Financial Services, PO Box 12299, Dunmow, CM7 0JQ
Tel: 01279 871029 spacespace Email: space

Partners: Roger Penny, Robert Newman

Copyright ©AYS Insurances