The importance of keeping existing insurance policies in place

When you take out an insurance policy, you are usually in it for the long run. However, circumstances alter, and as a result, you can sometimes be in a situation where considering cancelling policies can cross your mind. For example, in times of economic change and stress, it has become common to cancel expenses you’d class as not required, such as memberships, subscriptions, beauty treatments and in some extreme cases, insurance policies. 

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What is business protection?

The importance of business protection is often overlooked. It can help businesses continue to trade if an owner or key person within the business dies or becomes critically ill. The policy could help ensure that key people are replaced, the debt of the business is covered or shares from the deceased partner/director’s estate are purchased.

Business owners are quite often focused on the day to day running of the business and don’t always have the time to think about the what if’s.

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A Christmas Message

2020 has certainly been a challenging year and I would like to thank all our staff who have done an incredible job since March. They have adapted to a variety of working conditions, remaining professional throughout, and have continued to deliver excellent customer service. 

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Should I put my life insurance in trust?

A trust is a legal entity and by placing a life policy in trust, it has many benefits. The proceeds of the life insurance policy will bypass the deceased’s estate and as such beneficiaries will receive the money quicker and without any inheritance tax implications. It also gives the policyholder greater control over who receives the assets. 

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Why use a mortgage broker?

You might ask what do they do that you can’t? Why should you pay for their services when you could do it yourself for free?

There are many costs when you move home or remortgage, a mortgage broker should be considered a part of the overall process. Don’t be put off by the fee and be tempted to go it alone.

Mortgage advice from a broker is an invaluable service.

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Emma

Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter