Our Insurance Services
Having the appropriate insurances in place doesn’t just pay off your debts, but it protects your family from any curveballs that life throws. Whether you are a first-time buyer, looking to move or re-mortgaging your current property, you should really be protecting yourself, your family and your investments. Having that extra security will help ease the financial strain on your loved ones in a time of need.
Our aim is to provide you with the peace of mind that your overall financial situation, and that of your family are protected against the worst that life can throw at you. In fact, we have a moral duty to make sure you and your family don’t suffer unnecessarily more than you have to.
As no one can predict the future, it’s important to know what options are available to ensure that you are always prepared.
We conduct insurance reviews free of charge as we know just how important it is to be fully covered.
This is something we highly recommend to couples and families. The most important factor of your life insurance is to ensure the mortgage is repaid so your partner or family still have a home if anything happens to you. We can customise your cover level to suit your budget, while it’s important to live life and have fun, it’s also important to be protected.
Learn more about Life Insurance and the different types of add-ons that can be included.
This type of cover will grant you a lump sum of money if you are diagnosed with a specified critical illness. It can be used for anything you want: house alterations, private medical care, holidays, income or even just to enjoy life. When you get diagnosed with an illness, it can really knock your mental state, as well as physical being, and so having that extra bit of financial freedom can really help.
Learn more about Critical Illness Cover and it’s benefits here.
If you found yourself unable to work, would you have the funds to be able to pay your bills and keep up with your lifestyle? If the answer is no, you need to consider getting income protection. Some people live their lives from payslip to payslip. If you are unwell and unable to work, the last thing you need to worry about is how you are going to pay your bills or buy food.
Learn more about Income Protection and how we can keep the premium to an amount that suits you.
Buildings Insurance is a legal requirement of owning a property. When arranging a mortgage, it is imperative you have this in place at point of exchanging contracts. While Contents Cover isn’t compulsory, if anything happened and you had to re-buy every item in your household, you could be in for an expensive exercise.
Learn more about Buildings and Contents Insurance here.
Our Insurance Process
We will arrange an initial consultation, where we discuss your wishes and circumstances. Following our meeting, if you wish to engage our services, we will proceed with our research. If you have any pre-existing medical conditions, we will speak to providers we work with to see what cover they can offer you. Even after your policy is placed on risk (started), we will continue to offer reviews to ensure your circumstances haven’t changed and if you do have any questions on your policy, we’re always more than happy to help. If you need to top-up your cover at any point or include any children, we can always look into this for you and work out the most suitable option.
We will analyse and explain the quotes we present to you, to ensure that you fully understand the benefits of taking out the policies we recommend. Unlike lenders, insurance providers do not assess your income, so we ensure that any products we recommend fit comfortably within your monthly budget.
- Retirement Planning
- Estate Planning
- Long Term Care
- Funeral Plans
If your requirements fall outside our area of expertise we will be happy to introduce you to the appropriate professional to ensure you get the very best advice from a specialist in that field.
Looking for something else?
As you know a mortgage is likely to be the single largest commitment you are every likely to make.Whether you are a first time buyer, looking to move, re-mortgaging your current property or want to become an investor in the Buy to let market, we can guide you accordingly.
Equity release is a “Tax Free” way of “unlocking” or “releasing” capital tied up in the property you own and live in, these funds can be used as you wish. Learn more about what Equity Release is and why you may need it.
Many retirees are finding themselves unable to maintain the lifestyle they wish to as they simply don’t have the funds to do so. Equity Release may be an option to help provide and income for the over 55’s.