Protection & Insurance

You hope the worst won’t happen, but if it does, it’s best to be prepared. 


We will show you what options are available and make sure that, if you become seriously ill or die, the right people will get the right financial support when they need it - that could be you, your partner or your children.

Protecting Your Home

Your home is everything. It keeps you and your family safe and warm, so it’s important to protect it properly. We can advise on the right insurance for both the building and its contents. So, whether you suffer a burglary, fire or flood, or someone knocks over the TV and breaks it, you are covered.


We can also advise on insurance for landlords and their rental properties, including rent guarantees. 


We can help...

Buildings and contents insurance tailored to your specific needs.

Additional benefits including accidental damage or personal possessions away from the home. 

Landlords’ insurance, including rent guarantee.

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Protecting Yourself

If you were to become seriously ill, how would you continue to maintain your mortgage and lifestyle once any sick pay has finished? Without insurance, your partner, adult children, parents, siblings or nieces and nephews could be left to foot the bill.


Protecting yourself and arranging a policy to help provide a lump sum or monthly income will give you the choice you need in your time of greatest need. 


We can help...

If you die, would you want to leave a legacy for someone?

If you suffered a serious illness, would you want a lump sum to relieve the financial stresses?

Would you want to protect your income from long-term sickness?

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Protecting Your Partner & Family

If you are unable to do your job through an accident or a critical illness (like cancer, a heart attack, MS or stroke), critical illness cover could provide a lump sum to cover your mortgage or maintain your lifestyle. 


Income protection will provide a monthly income to cover some of your salary, whether you are critically ill or unable to work in the long term, through something like mental illness or a bad back.


Life, critical illness and income protection insurance will give you and your loved ones financial security, if you are ill or pass away. It will give you all options and choices, in the event of a tragedy.

We can help...

What happens to your mortgage in the event of your death?

What do your partner and children need for their future if you die or are ill?

What is your ideal situation for you and your family in the event of tragedy?

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Referral Services

Wills & Trusts are not regulated by the Financial Conduct Authority and we are not authorised via PRIMIS Mortgage Network to advise on them, they will be referred to our separate legal entity to advise on them.

Trusts

If the worst does happen, an insurance trust will make sure your money goes to the right person at the right time. This could avoid lengthy hold-ups when the money is needed the most.

With a trust, there is no probate, so your beneficiary can get the money they need straightaway.


We can help...

Right money

Right hands

Right time

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Wills

We have a trusted partner we can refer you to for wills.


It is important to make sure the right people are looked after if you die. You may have thought about what happens to your estate when you die, but if it’s not written down properly, it might not happen that way. 


Who looks after your children if you and your partner both die in a road accident? Who are their legal guardians? Your children could go into care until this is resolved. 


If these important details are set out in your will, it will take away the stress and uncertainty for your loved ones at a very difficult time.

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Any Questions?

  • Do I need life insurance for a mortgage?

    You are not legally obliged to arrange life insurance for a mortgage, however it could be vital if you would like to ensure the mortgage is repaid in the event of your death. We are happy to discuss this with you, based on your wishes and plans for the property in the future. 

  • Why is insurance important?

    Insurance can help you plan for those unforeseen circumstances and give you some financial choices at a time of need. It can provide financial security for you and your family and provide peace of mind. We aim to tailor a plan specifically to your needs and budget. 

  • Will I need to provide my medical history for insurance?

    An insurance application will ask a number of questions based on your medical history to assess your application. It is important to provide accurate information to the best of your knowledge to ensure that the insurance policy is valid. 

  • What insurance do I need when buying a house?

    You mortgage lender will require you to have buildings insurance in place throughout the mortgage term. This will ensure that the property is repaired in the event of damage, to protect the lender’s risk. It makes sense to also consider contents insurance, life cover, income protection and critical illness cover, although these are not mandatory. 

  • Should insurance be in trust?

    Putting life insurance into trust can avoid the insurance payment going into your estate in the event of your death. It will ensure that the right people receive the insurance payout at the right time. 

  • Do I need a will?

    A will is a legal document that will allow you to decide what happens to your money, property and other possessions after your death. If you do not have a will, the law will dictate what happens to your estate, following specific rules. Making a will can provide peace of mind that the right people receive what you want them to.  

Let’s Talk

If this all sounds like what you need, get in touch for an initial chat. We can talk about your situation and the next steps, all with no obligation. 

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