Insurance

Life Insurance

Having life insurance to protect your loved ones and keep the roof over your family’s head is an absolute must when buying a new home. Life cover provides reassurance that should you die during the mortgage term, the insurer will pay off the remaining balance of the mortgage and instantly remove the biggest monthly bill that your family faces.

If you wish.You can insure yourselves for more than just the mortgage. Any additional amount you take would similarly be paid out on your death and could be used to support the costs of bringing up your children and supporting their lifestyles.

Our expert knowledge can help find the right policy for you and your family. Aspects like your medical history, lifestyle and age are all factors taken into account when calculating what you will pay for the cover, so the younger and healthier you are the lower your monthly payment will be.

Income Protection

Finding yourself unable to work and losing your income due to an illness or injury would be a terrible situation to find yourself in.

The stress of being unable to pay your bills and worrying about paying the mortgage would only make matters worse.

Income protection insurance can provide financial security for you and your family’s future by providing you with an income when your sick pay ends. It provides you with regular monthly income payments to help pay your bills and living costs.

There are a range of options offered to fit alongside your needs and budget. Our experienced advisor’s will guide you through the options available to safeguard you and your loved one’s futures should the unexpected happen.

Critical Illness

What would you do if you or a loved one were to be diagnosed with a very serious illness or life changing condition such as a heart attack, cancer, loss of eyesight or multiple sclerosis? (to name but a few conditions that you would be covered for).

According to Cancer Research, in the UK one in every two people will be diagnosed with cancer at some point in the lifetime. If this were to happen, how would you cope and still be able meet with all your financial commitments?

This is where Critical Illness cover could help. Not only could it provide you with a lump sum of money in the event of a valid claim to help meet those financial needs, but it also could provide a range of other services to provide you with further support. Our advisor’scan talk you through the range of cover options to meet with your budget and cover ideas.

Buildings and Contents

Buildings insurance for your home is a vital aspect to getting your mortgage in place.

Combined buildings and contents insurance will cover the costs of repair to your home in the event of serious damage from incidents such as a fire, flood or storm damage, whilst contents insurance will ensure that all your family’s belongings within the home are similarly protected.

We can guide you through all the options, and will work out the levels of cover you need to replace your belongings. We will help you to decide on what level of excess you would be able to pay and also consider any additional options you might want to include such as accidental damage cover, family legal protection, or cover for valuables that you regularly take outside the home such as jewellery, mobile phones, laptops, etc.