Insurances

Insurances

A change in circumstances could leave you unable to meet your monthly payments, unless you’re covered by a specialist insurance product. The Financial Conduct Authority’s (FCA) financial lives survey, published June 2018, showed how many UK borrowers would struggle with mortgage repayments if a breadwinner died or had a long-term illness. The FCA found that one in eight adults have no cash savings whatsoever. One in three only have savings of between £1 and £1,999.

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Some of our products we can protect you with:

Life Insurance

This is a form of cover which provides a lump sum in the event of death. This type of life insurance is a form of decreasing cover, which only pays out whatever is outstanding on the mortgage. If you are buying your house as joint owners you can choose to have the mortgage pay out on a “first death basis” meaning if one of you dies, the mortgage is paid off.

Critical Illness

How would you or your family cope if you were to die, become terminally ill, or diagnosed with a critical illness, which ever happens first? We put you first. By protecting you and your family when you need it most, our main focus and priority is you the customer when it comes to your insurance needs. Our team of protection advisers are extremely experienced in face-to-face client interaction appointments so don’t hesitate to call now and arrange a no obligation confidential appointment and let us do your homework for all of your insurance needs.

You can include this in your life insurance policy or have it as a separate cover. It pays a lump sum if you’re diagnosed` with a covered long-term critical illness.

Income Protection Insurance

Life can be unpredictable, so we’re here to help make sure you’re prepared.

If you’re unable to work due to sickness or accident, Income Protection Insurance will pay you a regular income, whether you’re employed or self – employed.

Buildings and Contents Insurance

So you have a nice new home, what next? Many will choose to add a personal touch by filling their property with shiny new things. But what if someone else were to take a liking to these? Could you afford to replace all of the goods in your home? Do you have sufficient money set aside to replace your lounge carpet if a tin of paint is spilled during the decorating process? Is your tablet, phone and wallet covered when you are away from home? We work hard to pay for our possessions, so why not cover them against a number of potential risks?

We can help ease this worry. Get in-touch for more information.

Call us to start saving today 01732 247416

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