Our Services
We off a wide range of Protection and Home Insurance products.
Protection
Income Protection
This cover will pay you a regular income benefit if you suffer illness or accidental injury and are unable to work leading to loss of earnings.
This is a long-term policy that pays out if, during the policy term, you can’t work and suffer a loss of earnings due to illness or injury. It’s a sad fact of life that an individual’s outgoings don’t necessarily stop if their income did. An Income Protection policy can help people cope financially if they are unable to work because they’re sick or injured. Policies can be tailored to suit individual requirements.
Income protection isn’t just solely relevant to our clients who have a mortgage, those who rent a property could also be exposed financially if they couldn’t work due to illness or injury.
Life Insurance
Level or decreasing life cover is designed to pay out a lump sum if you die during the policy term. This comes in two main forms: Level Term Assurance or Decreasing Term Assurance.
Level Term Assurance will give you the same amount of cover during the life of the policy and pay-out that amount if you make a claim. This is ideal for family protection.
Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount owing on a repayment mortgage, and pay-out the current amount when a claim is made.
Critical Illness
Finding out you have a critical illness must be devastating. Discovering you don’t have the required protection in place just doesn’t bear thinking about. Words like cancer, stroke and heart attack immediately make us think the worst and for many people, being diagnosed with such an illness can change their lives dramatically. Would you be able, or want to, go back to work in the same capacity as you do now?
Critical Illness policies can provide a vital lump sum to help you in these circumstances to fund mortgage payments, council tax, childcare costs, food, and utility bills which may be just some of the regular payments that still have to be made. There might even be extra things to pay for such as medication, or changes to the home. Sick pay from your employer might help, but only for a short period, and state benefits only offer a limited amount.
Home Insurance
It is a legal requirement to protect your home against flood, fire, theft, and other perils. We have a selected panel of providers that allows us to offer you competitive quotes on your Home Insurance.
We do not charge any fees for advice on our range of insurance products.
Buildings Insurance
The property you own should always be covered by buildings insurance. This covers you for rebuild costs after damage caused by floods, fire, or other unforeseen events.
Contents Insurance
This will cover your contents in case of loss, theft, or damage. In the event of a successful claim, you will get the items replaced or the money to replace them.
Personal Possessions Insurance
This will cover any expensive items such as jewellery, laptops, bikes if stolen or lost when away from the home.