Personal Protection
The importance of protecting your future
It’s one of those horrible facts of life that things can happen that affect the safety and security of those closest to you. Making sure they’re looked after and able to cope financially if you were no longer around will give you peace of mind and reassurance for the future.
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.
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.
To cover you and your family against the financial impact of a critical illness and loss of income through sickness.
Critical Illness Cover can be purchased as a standalone policy or in conjunction with another policy type. Critical Illness cover will pay you a lump sum should you be diagnosed with any one of a wide range of critical illnesses, the main three being cancer, stroke and heart attack. If you were to suffer from one of these critical illnesses chances are that if you do not die, you will be unable to work and enjoy the same kind of income – your existing commitments, however, will still have to be met. Any other life cover you have in place without this protection would only pay out if you were to die.
Our NHS is under ever increasing pressure and waiting times for treatment are at an all-time high.
So if you’re considering protecting you and your family, or your employees against unexpected illness, Private Health Insurance is a great way to cover that possible eventuality, getting you access to the best treatments available as quickly as possible. We can offer a bespoke solution from a wide range of products to cater for all budgets. Be that from a single individual to a large scheme with many employees.
You might have a current plan in place and we would be happy to provide you with a comparison and review of your current arrangements. We have access to the 4 largest Private Health providers in the UK enabling us to offer a wide selection of products. As standard, we will provide you with an annual review of your current arrangements, making sure you are getting the best rates and products available.
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.
You need to protect your home against flood, fire, theft and other perils. We can offer you competitve quotes on your Home Insurance through our panel of providers. We can offer you the following products:
Buildings Insurance – Lenders will require you to have buildings insurance on the property you own or let. 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 claim you will get the item(s) replaced or the money to replace them.
Buy to Let Insurance – For your investment properties.
Commercial Insurances – For your business needs.
We have recently partnered with the estate planning company MyLastWill to provide Will writing services to our clients.
If you haven’t made your Will yet you can get 50% off through Mortgage Angels NI by using the voucher code MANI-50 at the checkout (or by following this link www.mylastwill.co.uk/coupon/MANI-50) – this means that your Will only costs £40.
If you are available to book a free financial review, I am happy instead to cover the full cost of having your Will(s) created, to organise this please just let me know when you are available and we can set a time.
If you have any other mortgage, protection or will related questions, I am always here to help.