Protection and General
Insurance Advice
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Protection & General insurances
Life Insurance
Critical Illness
Income Protection
Private Medical Insurance
Accident Sickness & Unemployment Cover
Building & Contents Insurance
LandlordInsurance
COVER FOR YOUR FAMILY & ASSETS Family Matters The Most
We place just as much emphasis on our protection and general insurance advice to ensure that you, your loved ones and assets are protected for whatever circumstances life can throw at you. We have a complete advisory approach to protection and general insurance, so within our discussions with you we look take an overview of your complete financial situation, then bridge any gaps for protection and general insurance that we believe you need. Hopefully the insurance policy will never be needed, but we insist it is there to protect you and your family when you need it most.
Protection insurance is a type of insurance that provides financial protection to policyholders in the event of certain unforeseen circumstances. This type of insurance is designed to help policyholders and their families cope with unexpected events that could impact their financial security. General insurance is a type of insurance that provides coverage for a wide range of risks that can impact individuals, businesses and organisations.
Life Insurance What Is Life Insurance?
Life insurance is a contract between an individual and an insurance company, in which the individual pays regular premium payments in exchange for a death benefit payout to designated beneficiaries upon the individual’s death.
The purpose of life insurance is to provide financial security for loved ones in the event of the policyholder’s death. There are several types of life insurance policies, including term life insurance and whole life insurance.
Critical Illness What Is Critical Illness Insurance?
Critical illness insurance is a type of insurance policy that pays out a lump sum benefit to the policyholder upon the diagnosis of a specified critical illness listed within the plan.
These policies are designed to provide financial support to policyholders who may face significant expenses related to their illness, such as medical treatment and lost income for the policyholders families.
Income Protection What Is Income Protection?
Income protection insurance is a type of insurance policy that provides financial assistance to individuals who are unable to work due to a covered illness or injury. The policy replaces a portion of the individual’s income while they are unable to work, helping them to meet their financial obligations.
Income protection insurance typically covers a wide range of illnesses and injuries. The benefit amount and duration of coverage can vary depending on the policy.
Private Medical What Is Private Medical Insurance?
Private medical insurance is a type of health insurance that is purchased by an individual or provided by an employer typically. It covers the cost of medical treatments, surgeries, and hospital stays, as well as diagnostic tests and some plans include types of GP consultations.
Private medical insurance plans can vary in their coverage and costs, and usually require the policy holder to pay an excess.
Accident Sickness & Unemployment What Is Accident Sickness & Unemployment Cover?
Accident, Sickness and Unemployment (ASU) cover is a type of insurance policy designed to provide financial support in the event of an accident, illness, or job loss due to specified reasons as outlined within the plans conditions. It typically pays out a tax-free income to policyholders for a specified period.
The specifics of an ASU policy, including the level of cover, the length of the benefit period, and the conditions for claiming, can vary between providers. It’s important to carefully read the policy documents and understand the terms and conditions before taking out an ASU policy.
Buildings & Contents What Is Buildings & Contents Insurance?
Buildings & contents insurance is a type of insurance policy that covers the structure of a building (the building itself), as well as the contents inside it (such as furniture, appliances, and personal belongings).
It is important to understand the coverage provided by such a policy and to select a policy that is appropriate for the specific needs and circumstances.
Landlord What Is Landlord Insurance?
Landlord insurance is a type of insurance policy that protects landlords from financial losses against damage to the building structure of the rental property and certain contents that are provided to tenants.
Coverage may also include protection against theft, natural disasters, legal expenses and rent protection. It is an important form of protection for landlords to have to safeguard their investment.
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- Re Mortgage A re mortgage, is the process of paying off an existing mortgage with the proceeds from a new mortgage using the same property as collateral.
- Second Home A second home residential mortgage is a loan used to purchase a second residence, typically for vacation or other reason which is allowed by the lender.
- Buy to Let A buy-to-let or LTD Company buy-to-let mortgage is a type of loan specifically designed for individuals or companies who wish to purchase a property with the intention of renting it out to tenants. These mortgages typically have different requirements and conditions compared to traditional Residential mortgages.
- Expat and overseas UK Expat mortgages are home loans specifically designed for individuals who live and work outside of the UK. The property purchase is usually for investment purposes but in rare scenarios the lender may accept owner occupation. The condition of expat mortgages are set by the lender who will typically be based in the UK.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage
repayments. A buy to let mortgage will be secured against your property. Some types of buy to let mortgages are not
regulated by the Financial Conduct Authority.
