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Insurance & Protection
It's not just about the mortgage
Protecting you and your family
It’s important to protect you and your family for the future too – by going it alone, often you’ll miss out on vital advice on what’s out there to help ensure your home remains yours, even when life doesn’t go to plan.
The average household is just 24 days from the breadline, should you lose your main source of income and over 35% of homebuyers surveyed by Legal & General said that they were concerned about their family’s financial security if one of them were to die or lose an income.
When making such a big decision to buy a home, it’s vital to have a backup plan in place for you and your family’s peace of mind, but the range of protection insurances out there can seem overwhelming, and expensive. We will use our expertise to listen to your exact circumstances and recommend the protection that will benefit you and your family.
Life Insurance
Mortgage/Family Protection
Term Assurance or Mortgage Term Assurance is designed to pay a lump sum (the sum assured) in the event of the death of the life assured within a specified term. The sum assured can either reduce roughly in line with your mortgage balance (decreasing term assurance), can remain the same throughout the term (level term assurance) or increase annually to offset the effects of inflation (indexed term assurance).
Term assurance is commonly used to repay a mortgage on the death of the life assured, or can provide valuable funds for the family of the deceased to replace their lost income.
Serious/Critical Illness Cover
Protecting you and your family
Critical Illness Cover is usually taken out in conjunction your Life Insurance policy. Like Life insurance, Critical Illness Cover will provide a lump sum or regular payments, on diagnosis of a pre-defined Critical Illness.
It will provide cover against diagnosis of dozens of Critical Illnesses. The most common claims are for Cancer, Heart Attack & Stroke etc.
I have access to a range of trusted providers to help find the most suitable solution to fit your needs.
Income Protection
Covering your bills
How do people cope financially if they find themselves unable to work as result of an accident or illness?
Employers generally provide sick pay cover for a short period of time, but what happens if your illness or injury means your off work long-term and the household bills still need to be paid?
Once sick pay ends (or once outstanding invoices are settled for the self-employed), what options are available to you to protect your income?
I can advise on a range of policies to suit your specific circumstances.
General Insurance
Building, Contents & Landlords Insurance
Building insurance is the minimum requirement required by your mortgage lender.
Your home and its contents are likely to be your most valuable financial assets and having the correct home insurance in place is your property’s first line of defence, providing comprehensive protection against incidents that can potentially destroy or severely damage them provides peace of mind.
Stand alone building insurance
Covers damage to your home as a result of a wide range of events including fire, storm, flood, subsidence, burglary and escape of water.
Stand alone contents insurance
This covers loss or damage to your household goods and personal belongings as a result of a wide range of events including fire, smoke damage, vandalism, storms, floods, burglary and escape of water.
Combined building and contents insurance
This combines the above two types of cover in a single plan covering damage to your home and your personal belongings.
Additional optional cover
- Buildings accidental damage cover
- Contents accidental damage cover
- Individual personal possessions cover
- Legal expenses cover
Landlord cover
Landlord insurance is similar to home insurance but it's specifically designed to cover rental properties.