Life Insurance
Life insurance will pay out a sum to your loved ones if you pass away during the term of your insurance contract. This pay out will give your loved ones financial stability allowing them to focus on moving forward without needing to worry about practicalities.
Here we can build a life insurance package to best suit you and your family’s needs. Whether that be for a short period of time to cover a small debt, or a long period of time to cover a larger debt. We can also find mortgage life insurance with no term so that you are covered no matter what.
We offer no-obligation complimentary advice to customers across the UK. During the initial chats we will establish your needs so that we can recommend the most suitable cover for you and your family. After this, we will determine a sum that would suit your needs: whether that is life insurance to cover your payments, or you want to leave a lump sum to your dependents. We can tailor life cover to suit you.
We work with some of the UK’s leading insurance providers, allowing us to find you competitive prices on a wide range of life insurance policies. We will even help with the dreaded paperwork, to make sure that the process is efficient and straightforward.
Death can be a difficult subject to think about, but planning financially will ensure that your loved ones are never put at risk. The dedicated team can help you settle on a cover that’s just right for you, allowing you to enjoy life to the full.
Critical Illness Cover
Critical illness insurance is a policy that provides a cash payment if the person insured or a named person is diagnosed with an illness covered by the policy. It can be arranged to pay out in instalments or a single lump sum.
Critical illness insurance ensures that if the insured party does suffer such a specified illness, they and their family will receive funds which could be used to repay an outstanding mortgage, for example. It could also be used to keep up with their mortgage repayments, pay household bills, or even go towards private treatment.
Like other insurance products, critical illness insurance is designed to provide security for your loved ones and can ensure they aren’t burdened financially if you begin suffering from a serious illness. As the payment can also go towards your own medical treatment, you may be able to make things more comfortable for yourself.
Taking out serious illness cover is an essential part of long-term financial planning, especially if you have ongoing commitments, such as a mortgage. What’s more, if you’re applying for a mortgage, many providers require this type of insurance. We can help you to apply for both at the same time.
We work with some of the UK’s top insurance providers to ensure that each and every one of our clients has access to some of the best cover on the market.
We will take into account your current circumstances to match you with the perfect product from our carefully selected panel of providers. We’ll take care of everything to ensure that you can rest easy in the knowledge that you and your family have adequate critical illness cover in place.
Income Protection
Income protection insurance is designed to provide a regular income if you were to suffer an accident or illness that leaves you unable to work, or if you find yourself unemployed.
There are two main types of income protection insurance:
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Accident, sickness, and unemployment insurance: Designed to cover you in the short term. These policies will generally pay out for one or two years only.
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Long-term income protection insurance: Aimed at sufferers of long-term illnesses who may not be able to earn for a prolonged period. These policies will pay out until you are well or until the end of the term.
Income protection insurance can ease the burden of a lost wage, helping you to stay up to date with your financial commitments, such as mortgage repayments. This kind of protection can be essential if you are the main income provider in your household.
Many policies will still provide support if you go back to work at a reduced capacity with lower pay. This allows you to focus on your recovery and spending quality time with those that truly matter.
What’s more, if you’re applying for a mortgage, many providers require income protection insurance before they will agree your contract. We can help you to apply for both at the same time .
We have access to a wide range of income protection policies, available from our selected panel of insurance providers, so you can be confident that we will recommend a quality product from a reputable company.
Our dedicated team will tailor your income protection cover to suit your needs. With our team on the case, you can sit back and relax, safe in the knowledge that you have the experts on the job and there’ll be no shock surprises down the line.
Health Insurance
Private health insurance covers the cost of private healthcare. Like other insurance, you'll pay monthly or annual premiums - then, should you need private medical treatment, your provider will pay out for some or all of the cost.
Private medical insurance works as a helping hand when you need it most, from in-patient treatment to extra support for mental health, depending on your policy. You can take out private health insurance for yourself, or as a joint policy to cover you and your partner. Private health insurance gives you choice when it comes to medical treatment. Whether you need it will depend on your personal preferences, and if you would rather have private treatment than publicly funded healthcare like the NHS.
What is covered by private health insurance will depend on the type of policy you choose. Private health insurance can cover:
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Tests and appointments
Diagnostic tests, consultation appointments and services like physiotherapy and sometimes psychiatry -
Inpatient treatment
If you need to stay in hospital, health insurance may cover inpatient treatment like tests and surgery -
Out-patient treatments
Some health insurance policies cover out-patient treatments (such as specialists and consultants) -
Other options
More inclusive policies may cover home nursing, private ambulance and dental treatment
To get a private health insurance quote, all you need to do is tell us a bit about yourself and your medical history, as well as the level of cover you need. From there, we'll put together a list of quotes tailored to your requirements.
You'll be able to compare deals by the overall monthly or annual cost as well as the level of cover you'll get and any extras included in the policy.
Home Insurance
Home insurance is designed to cover your home for any damage or loss to your house or the contents inside. You will be protected against financial loss should there be an accident or misfortune that affects your home.
There are two main types of home insurance, though combined policies are also available:
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Buildings insurance: Covers damage to the fabric of the property, as well as fixtures and fittings. Your mortgage provider will require you to take out this insurance.
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Contents insurance: Covers the belongings found within your home.
Home insurance cover can help you to secure your property investment by paying for the repair or replacement of your assets, ensuring you aren’t left with a huge bill if you suffer misfortune, such as fire, flood, or theft.
While mortgage providers will require you to take out buildings insurance, taking out contents cover too means that you can settle into your new home with peace of mind that you care completely protected and will not be at risk financially if something were to go wrong.
We’ll work closely with you to ensure that your household insurance comes into play at the right stage of the mortgage application process. After finding you the right mortgage deal, we will also help to secure this valuable cover so you don’t have to do it yourself.
We have access to some of the best home insurance products from some of the most respected providers on the market. Whether you need building insurance, contents insurance, or both, our team of trained advisors will work to fully understand your needs to find a policy that’s perfect for you.