Work With Experts

Protection

As financial advisers we are very particular with regards to who we use in providing insurance services for our loyal and trusting clients.
We offer products from a range of insurers for protection, term, critical illness, private medical insurance and accident, sickness and unemployment.
We will advise and make a recommendation for you after we have assessed your needs for protection, term, critical illness, private medical insurance, accident, sickness and unemployment and building and contents products.
We charge No fee's for recommending these products as we will be paid commission by the product provider.
Home Insurance
Our insurance partners can offer you buildings insurance that covers your home against all the major risks such as fire, storm, flood and subsidence. It also covers other causes of damage, like damage caused by a burglary, vandalism or a vehicle collision.
Buildings insurance covers not only the main building and domestic outbuildings, but also things such as walls, paths, pipes and fixtures such as the bathroom suite and fitted kitchens. It can even cover your freezer contents and your downloaded music files.
With our partners, we find that they work hard to provide excellent customer service. If the unexpected happens, their friendly and helpful staff will deal with your claim efficiently. And if for any reason this is not your experience then as your advisers we are available to represent your case to help secure your claim.
Mortgage Life Insurance
If you are looking for cover to protect your mortgage we can arrange mortgage life insurance for you, which we call mortgage term assurance. This is designed to help pay off your mortgage in the event of your death.
People also refer to it as mortgage cover, mortgage life assurance and mortgage protection. There are two types of mortgage life insurance: mortgage term assurance and mortgage decreasing term assurance.
1. Mortgage level term means the amount you are insured for remains the same throughout the term of your mortgage life insurance policy, unless you choose to exercise your guaranteed insurability option.
2. Mortgage decreasing term means the amount decreases over the term of your mortgage life insurance policy. This cover is designed to help protect a repayment mortgage, so that the amount of insurance decreases roughly in line with your remaining mortgage debt. Your premiums will remain the same unless you exercise your guaranteed insurability option.
Life Insurance
The subject of life insurance cover can be a highly emotive issue resulting in many people not spending enough time thinking about it in detail. You may have in place Mortgage cover that will at least pay off the mortgage in the event of your death but does that also leave behind enough money for your dependents to be able to carry on living and paying their bills without your income to rely on?
The next issue is deciding on the best type of insurance for you and your dependents. A task that can also prove to be very stressful for many people. With our advice and guidance we can help you to put in place a plan that is expertly managed and designed to provide you with an appropriate amount of cover at a rate that takes into account your present financial status.
Critical Illness
Although critical illness insurance is more expensive than standard life insurance, it does offer the significant benefit of paying out your chosen amount of cover if you're diagnosed with one of the specified illnesses and are eligible to claim, during the period of cover. With one of our partners protection plans cover, 161 Serious illnesses are covered offering peace of mind to the policy holder.
The plan is available to anyone who is aged between eighteen and seventy at their next birthday and are a UK resident at the time of applying. It can cover you alone or you and another person. If the plan covers two people it will only pay out once, when the first of the two people dies or has a valid critical illness or terminal illness claim during your chosen period of cover. Children are also covered at no extra charge, but certain conditions do apply.
Payment Protections
Payment protection plans are designed to give our clients reassurance that they will receive an income in the event of accident, sickness or involuntary unemployment. The levels of such income will depend entirely on the levels of insurance required, an issue that we can discuss in detail over an informal meeting. At such a meeting we can clarify how the plan works and under what circumstances these payments are made. Again we work with a wide range of providers and only recommend companies with a good solid track record of meeting their pay-out obligations without any fuss.
Over 50’s Insurance
If you are over fifty then it can sometimes prove difficult to get an insurance plan that does not have crippling monthly rates attached. With our insurance providers however, we can offer a selection of 3 different plans which are based on the following:
- Guaranteed acceptance for UK residents aged 50 to 80 and no medical or health assessment when you apply.
- You need to pay the premiums until you die. However, if you reach your 90th birthday, you stop paying premiums but the cover continues for the rest of your life.
- If you stop paying premiums when they are due then the plan will be cancelled and you will not get anything back.
- The plans have no cash-in value at any time.
- Depending on how long you live, the total premiums paid may be greater than the cash sum payable on death.
- For the Fixed Plan, inflation may over time reduce the value of the benefit paid out.
- You can help make sure that the benefit reaches the people that you would like to protect by placing the plan in trust.
- After two years our insurers will pay the benefit of your plan regardless of the cause of death.
- If you die within the first two years of your plan our insurers will not pay the benefit but they will return all the premiums paid. However, if you die as the result of an accident, then the full benefit will be paid. Exclusions and limitations apply and details of this can be explained at a meeting.
- You can take out more than one plan, as long as the total of all your monthly premiums added together is not more than £50 a month. This will include any existing Over 50s plans you may have. However, you can only take out one Funeral Plan.