It is now an FSA requirement that companies offering mortgage services also fully explain and provide valuable obligation-free advice on a wide range of insurance products.
We can help you decide on the best strategy for protecting your property, yourself and your family by providing skilled advice on any of the following products:
- Mortgage Payment Protection (Accident, Sickness and Unemployment)
- Income Protection
- Life Insurance
- Critical Illness Cover
- Buildings Insurance
- Contents Insurance
- Over 50's Plan
- Whole of Life Assurance
Please call if you would like your current levels of cover reviewed. As your circumstances change over the years the type and level of cover should be reviewed at least on a yearly basis.
Many of us still think that critical illness cover, mortgage protection insurance and income protection are unnecessary luxuries. When you consider the value of properties and how accident or sickness can affect your livelihood, it makes sense to invest in adequate levels of insurance protection.
During our working lives we strive to pay off debts and develop a secure future for ourselves. Illness, unemployment or an untimely death in the family does happen and can lead to serious financial problems. There is a myth that the government will look after you should you fall ill, have an accident or become unable to work. These days the rules on such matters are much tighter. For example, you can only get long term sickness benefit if you are unable to do any work – not just the job you had before you became ill. Unfortunately for employees, your ability to get a job is still very much dependent on relevant past experience. This could leave you unable to get work and unable to obtain benefit.
All of the protection policies named above have benefits and drawbacks. Drawbacks can include exclusions and limits to the amount of cover. We will discuss these with you before we make a recommendation.
Please contact us for obligation-free advice on any of these types of cover. We can put together a package for you to suit your exact needs and budget. This will help to either save you money or give more suitable levels of protection.
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