Insurances

Once we have found you the ideal mortgage we need to ensure that your family and your home are adequately protected for all eventualities. Making sure that everything is covered with the right type of insurance provides peace of mind. Whether it be your life, health, family, home or income that needs protecting we work with a number of insurers to ensure you have the correct cover. We can help with all your insurance requirements

 

Some of the Insurers we currently work with include:

insurers

For more comprehensive information please Contact Us

life insurance

LIFE INSURANCE

Life Insurance can be referred to Life Assurance but in either case, allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for.

You can choose to have guaranteed or reviewable premiums. We encourage guaranteed premiums so they will never change during the term of the policy, thereby allowing you to budget
with confidence.

Life Cover can take many forms please contact us

critical-illness-cover

CRITICAL ILLNESS COVER

Critical illness cover is an important part of your insurance provision. It is designed to pay out a lump sum if you are diagnosed with one of the critical illnesses covered in your policy. Depending on the provider you can expect between 35 – 50 specified illnesses with the majority of claims relating to cancer, heart attack and stroke. It can be incorporated within your life insurance, therefore the term and amount you need to be insured for is chosen by you.

You can choose to have guaranteed or reviewable premiums. We encourage guaranteed premiums so they will never change during the term of the policy, thereby allowing you to budget with confidence.

Please contact us for more information

income-protection

INCOME PROTECTION

With Statutory Sick Pay set at just £89.35 per week and only payable for up to 28 weeks, you would struggle to cope financially should you be unable to work due to an accident or sickness. Income protection is designed to replace loss of earnings until you are physically able to return to work.

There are various options available but you choose when the income starts. This can be 4,8,13,26 or 52 weeks and is designed to coincide with when your employer’s sick pay ceases. You can also decide how much you would like to receive but different providers have individual limits, typically between 50 -75% of your gross income. Finally you choose how long you want the income to be paid.

Please contact us for more information

 

redundancy-cover

REDUNDANCY COVER

With a typical Job Seekers Allowance payment being £73 per week, most clients would struggle to maintain their mortgage payment, let alone financial bills should they be made redundant.

Redundancy cover is designed to offer some peace of mind should the event occur and will normally provide a monthly income after 4 weeks, up to a maximum period of 12 months.

Please contact us for more information

landloads-insurance

LANDLORDS INSURANCE

Specialist Buy to Let Insurance is essential for anyone who is
renting out their property.

Buy to Let Insurance provides you with peace of mind by protecting your home and possessions from loss or damage.

The products are specifically designed for the Buy-to-Let investor offering cover on a bedroom rated basis, with ancillary products such as legal cover and rent arrears protection available.

Please contact us for more information

home-insurance

HOME INSURANCE

Your home is the most important asset you are ever likely to own. It is imperative that adequate home insurance is taken out for your property. You never know when you will need to claim under your home insurance.

Statistics show that 1 in 4 people in the UK will get burgled during their lives but people still choose to ignore this and don’t have any insurance. Other unforeseen circumstances such as floods and fire may also wreak havoc among your possessions and by not having adequate insurance in place risks losing everything.

There are two types of home insurance; buildings insurance and contents insurance.

Please contact us for more information