Insurance & Protection
Insurance & Protection
Planning for the unexpected
Insurance & Protection
What type of protection insurance are you looking for?
Life insurance
What is it?
A Term life insurance plan is the most basic form of life insurance and is usually the more affordable way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.
With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.
Who is it for?
This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Our specialist team can help you find the one most suitable to meet your requirements.
Critical illness
What is it?
A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.
Who is it for?
This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a critical illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.
The quality of cover and the illnesses covered can vary significantly between different providers. Our specialist team can help you find the most suitable one that best meets your requirements.
Income protection
An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).
This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.
Who is it for?
This type of plan is designed for anyone who is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. Our specialist team can help you find the one most suitable for your requirements.
With you every step of the way
Why choose us
Convenient Appointments
We understand life can be a little hectic at times, that’s why we make convenient appointments to suit you.
No Obligation Advice
Our initial chat is free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.
Mortgages To Suit You
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Protecting What Matters
Working with us
We’re with you every step of the way
With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.
Happy customers
Always listening to our customers, our post-completion surveys ensure we are constantly improving.
Industry knowledge
Our experienced team have completed hundreds of applications to date and it continues to grow day on day.
Financial expertise
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Our mortgage process
The introduction
We start by getting to know you and your requirements. Here we assess your incomings, outgoings and setting a budget.
Product match
Lender agreement
Next up we provide you with an agreement in principle from the lender and then submit the mortgage application for you.
Completion time
Mortgages
With access to hundreds of products, we’ll help you secure the right product tailored to your circumstances.