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Insurance
In today's world of finance and credit commitments it is becoming more and more important to protect your finances and your home with the appropriate general insurance such as income protection and mortgage payment protection insurance.
- Building and contents
- Income protection
- mortgage payment protection insurance
- Life cover
- Family Income Benefit
- Landlord's Insurance
- Critical Illness cover
We are able to help you source competitive and comprehensive insurance products from all the main insurance and life assurance companies to help protect your finances and your family.
Building and Contents
Our brokers tend to use Payment shield for all buildings and contents insurance policies due to their continued competitive rates and their high level of cover
Mortgage Payment Protection
A mortgage is typically the largest investment we make, with that in mind it is important to ensure adequate precautions are met to ensure your mortgage payments can be met should you be unable to work due to unemployment or illness.
Life Cover
Life cover is there to help your loved ones manage should the worst happen. There are different types of policies available to cater for most needs. For homeowners the life cover would typically cover the complete repayment of the mortgage upon death of those insured easing the financial burden should the worst happen.
Family Income Benefit
Rather than providing a lump sum should you die, family income benefit provides a regular, tax-free, monthly income for you and your dependants - from the time of the claim to the end of the plan term.
Family income benefit is particularly attractive to those who like to know they have a regular monthly income and would rather not have to worry about complex investment decisions to make the most of a lump sum payout.
Critical Illness Cover
Critical Illness Cover will pay out a lump sum should you be diagnosed with a critical illness. The definition of a critical illness will vary from insurer to insurer but generally they will include certain forms of cancer and heart conditions. When considering critical illness cover it is important to ensure you understand which illnesses are covered and which are not as if you have any specific requirements this could alter the insurer a consultant will recommend.
Landlords Insurance
Landlords Buildings & Contents Insurance is especially designed to provide household insurance where you are a private individual and the property that you own is rented out under a single tenancy agreement. This would typically be termed as a Buy to Let property - a buy to let property should be insured with some form of landlords insurance which will differ to standard building and contents insurance.
