Mortgage protection 

Protecting yourself against life’s unforeseen events is essential. 

Our insurance providers can structure a bespoke portfolio of personal and health protection for you and your family. 
Everyone has different needs specific to their wealth, health and risks so good advice is essential. The insurance chosen now can have far reaching consequences on the future. 

Life Insurance 

Life insurance pays out on the policyholder’s death, typically in the form of a lump sum . It can reassure you and your family with the financial security provided by a lump sum payment should you die. It can be used to pay your outstanding mortgage or any other debts you have. 
 
Family Income Benefit is a variant of Life Insurance that pays monthly rather than a lump sum. 

Critical Illness Protection 

Unlike Life Insurance, Insurers can differ greatly on what they include in these policies but there is always a solution to match every need and budget. The importance of critical illness cover is that the insurance pays out on diagnosis, so you may recover from the illness but you will still receive a lump sum pay out. With the right level of cover you can ensure your regular costs can be met until you are well again. 

Income Protection 

If you lose all or part of your income you or your family might not be able to cover all your outgoings; you could fall in to debt and could even lose your home. Income protection offers a replacement income if you’re unable to work, usually due to illness or injury. There are several types of income protection insurance, offering short and long-term cover. Useful to all but particularly those that depend on a main or single income. These policies can be arranged to pay immediately after a successful claim (which is particularity useful to Self Employed workers), or after a deferred period of time. 

Life Insurance 

Life insurance pays out on the policyholder’s death, typically in the form of a lump sum . It can reassure you and your family with the financial security provided by a lump sum payment should you die. It can be used to pay your outstanding mortgage or any other debts you have. 
 
Family Income Benefit is a variant of Life Insurance that pays monthly rather than a lump sum. 

Critical Illness Protection 

Unlike Life Insurance, Insurers can differ greatly on what they include in these policies but there is always a solution to match every need and budget. The importance of critical illness cover is that the insurance pays out on diagnosis, so you may recover from the illness but you will still receive a lump sum pay out. With the right level of cover you can ensure your regular costs can be met until you are well again. 

Income Protection 

If you lose all or part of your income you or your family might not be able to cover all your outgoings; you could fall in to debt and could even lose your home. Income protection offers a replacement income if you’re unable to work, usually due to illness or injury. There are several types of income protection insurance, offering short and long-term cover. Useful to all but particularly those that depend on a main or single income. These policies can be arranged to pay immediately after a successful claim (which is particularity useful to Self Employed workers), or after a deferred period of time. 
We are not authorised to provide advice on Home Insurance and Business Protection and will refer you to an authorised specialist, who can assist you in this area. 

Home Insurance 

We can choose from a range of insurers, all of which will be acceptable to lenders – Buildings Insurance is mandatory if you have a mortgage and will be checked by a solicitor when exchanging contracts for a purchase of remortgaging to a new lender. As an independent broker, we ensure your needs are met by selecting from our Defaqto 5 star rated policy providers as we understand that the value of any policy is in the claim. 

Business Protection 

Protecting your business, shareholding and your employees is an essential part of ensuring that it functions correctly and helps you in case you need to replace key staff. As such there is a wide range of policies for several situations, and our professional advisers can help you through the options, structuring solutions to ensure your business is sufficiently protected.