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Life Insurance: The gift that keeps on giving

family enjoying christmas thinking about life insurance as a gift

There is no better feeling than giving your loved ones a gift, especially over the festive season. Is there any greater gift than protecting your family’s future? Why not put a little extra thought into your gifts this year and give you and your loved ones peace of mind?

The gift that keeps giving

All year we work hard to provide our loved ones with everything they need; a roof over their head, food on the table and all the little things throughout the year.

Life insurance ensures that you can still contribute to the lives of those you love, should the worst happen to you. Life insurance is important to you because your family is important to you.
Spending your hard-earned money on life insurance might not be as exciting, but it could prove to be valuable in the future.

Whether it is replacing lost income, securing your child’s education or making sure your partner is supported, life insurance plans can offer an essential lifeline when needed most.

How much will it cost me?

Life insurance plans are based on a variety of criteria including lifestyle, health, age and the amount you want to cover. These policies often require regular premium payments over an extended period of time, as life insurance is a long-term commitment.

According to the website iaminsured, the average cost is around £38 per month with
some plans starting from as little as £5 per month. This is a small price to pay which allows your family and loved ones to have financial security for the future.

Preparing for the future

If you have a partner or children, life insurance can provide you with the peace of mind that they will be able to cope financially without you. Think of it as a way to prepare for the future and the unexpected possibilities that might happen.

So, whether you have planned ahead or are still thinking of what to get your loved ones this year, don’t be a scrooge, take a moment to consider giving yourself and those you love a gift to show how much you care.

For more information, contact us now and we can discuss the options available to you.

Mum and child enjoying comfortable hugs

Smoking: Why you need Critical Illness Cover

Throughout the years there have been multiple facts and figures published, highlighting the impact of smoking on your health. It’s no secret that your smoking status will significantly influence your chances of suffering from certain conditions, which is why critical illness cover (CIC) is so important.

Is CIC worth it?

Smoking can increase the risk of suffering from cancers, heart attacks, strokes, heart diseases and more. Critical Illness Cover is designed to pay a lump sum if you get a serious illness, injury or can’t work.
Many CIC policies are partnered with life insurance, however you are able to get separate cover allowing you to decide how much cover you need and for how long.

Consider getting CIC if you and your family heavily depend on your income, you don’t have enough savings to cover you should you become seriously ill or disabled, or you don’t have an employee package to cover time off work. You may not need CIC if you have no financial commitments or have a partner who can cover living costs and commitments, should you become seriously ill.

How does it work?

You will typically be asked to complete a health questionnaire during the application process, alongside a review of your medical records.

It’s essential to state all existing health conditions when you apply. These details will then be considered to determine how much you need to pay.

Once active, you can make one claim if you’re diagnosed with a specific illness. This tax-free lump sum can be used for anything you like, whether you want to pay off the mortgage, cover lost income or health-related costs.

What should I watch out for?

There are scenarios where a policy won’t pay out at all. Most policies will exclude claims where an illness is a result of self-harm, alcohol and/or drug abuse or taking part in extreme sports.

Time limits may also be in place, such as not being able to claim within the first 90 days or if you die within a month of being diagnosed with a critical illness.

If you want to know more or find the best deal, contact us to take you through the details of the policies available and help you choose the right one.

Using life insurance to keep you healthy.

New research highlights an ‘alarming link’ between the rising costs of living and declining health across the UK population. The protection industry can have a positive influence, providing the tools to help you manage your health in 2023.

Cost-of-living pressure

The cost-of-living pressure could trigger a global health crisis, with the current economic environment having a considerable impact on the health and wellbeing of the nation. Reports found that 45% of UK adults believe it has become too expensive to stay healthy, with 12% experiencing increased medical expenses. Research also found that 73% of 16–24-year-olds are stressed about the rising cost of staying healthy.

Protection: How it can keep you healthy

Most comprehensive protection plans can help you and your family stay healthy, despite cost-of-living pressure. Most insurance providers throughout the UK offer a variety of services, from nutrition to fitness and everything in between, helping to achieve a healthier lifestyle and reduce the risk of illness.

Additional added-value benefits, such as second medical opinions, health checks and gym membership
discounts, can keep you healthy throughout the current economic crisis.

Protection plans can also improve your mental health, so it’s crucial to make the most of the support available to you. Many people don’t utilise their cover, so it’s worth checking the added-value benefits available to you whether you already have a plan or if you are looking for one.

Time to take action

It’s never too late to protect you and your family. The earlier you start looking at the options available to you, the sooner you can work towards building a healthy lifestyle and fight back against the cost-of-living. There’s nothing more important than your physical and mental health, so what are you waiting for?

For more information, contact us so we can support you and discuss the options available to you.

Life Cover: Plan for the future NOW

Life is unpredictable, but preparing for the unexpected can provide peace of mind and financial security for you and your loved ones. Whether you are considering life cover or re-evaluating your finances, it’s always important to plan for the future.

Cost-of-living pressure

With inflation remaining high, and continuing to affect household budgets, dealing with price rises could be difficult especially for those on fixed incomes.
While not all types of insurance are indispensable, it’s important to think carefully and consider your future financial security.

Why is life insurance important?

If you were to have no life insurance in place what position could this leave
your family in, should the unthinkable happen? It’s more important than ever to have protection. The policy pay out can cover expenses such as funeral costs, outstanding debts and can provide ongoing financial support for dependants, after the loss of a primary income earner.

Always plan for the future

Planning for the future goes beyond life cover. It requires long-term goals and taking the right steps to achieve them. By taking steps to prepare for the unexpected you can provide financial security for you and your loved ones, giving peace of mind knowing those closest to you will be taken care of if you’re not there to provide for them.

Although it may be challenging to afford insurance, with the uncertainties of life, it’s always important to plan ahead and provide a safety net. It’s essential to act now, if you are able to, as you could face higher premiums when starting a life policy at a later date.

Advisers are there to provide guidance on the most suitable protection plans for you. Updating your life cover to reflect changes in circumstances will also give you the most appropriate level of cover.

To get in touch with us to review or discuss your protection needs, contact us here and an adviser will call you back as soon as possible

Income: Your most valuable asset

lady arranging income protection

Income is undoubtedly your most valuable asset, and protecting it is crucial for both present and future financial security. It’s the source of paying for daily expenses, investing for the future, and building a secure financial foundation.

The importance of income protection

Income protection is vital for future financial security. Unpredictable events such as illness, disability, or unexpected accidents can happen at any time and without income protection, they can significantly impact your financial situation. Income protection helps ensure that you can meet financial obligations and maintain your lifestyle, even in the absence of a regular income source.
Income protection insurance provides a regular income stream in case of unexpected
events that lead to a loss of income. This type of insurance can cover a range of events, including accidents, illnesses, and disabilities that prevent an individual from working.

Financial security & peace of mind

Creating an emergency fund is also another essential step to protect income, ensuring future financial security. Typically, an emergency fund contains three to six months of living expenses, providing a cushion during challenging times. Having an emergency fund in place can help prevent the use of credit cards or loans during unexpected events,
protecting your credit scores and financial well-being. Having a ‘plan b’ in place can offer peace of mind, knowing that you are financially protected in case you are unable to work due to an injury, illness or disability.

When should I start?

It’s essential to start planning early for income protection. By planning early, you can take advantage to build a secure financial foundation. The earlier you start planning for income protection, the more time you have to build a safety net that can build protection against unexpected events.
Starting early and reviewing your income protection can help you build a secure foundation, acting as a safety net against unexpected events and ensuring a more secure financial future.

For more information, head over to our contact page or drop us an email at paul@mortgages4u.uk

young people working

Insurance Benefits: Helping Your New Year’s Resolutions

The protection industry can have a positive influence, providing clients with the tools to manage their health and look ahead to achieving new year’s resolutions. Here’s how added-value benefits can impact your health in 2023…

Insurance Benefits

Protection plans are there to provide financial security, should the worst happen to you. Whether that involves death, a critical illness or through an accident. Most plans are now comprehensive, offering added value services to support you and your family throughout the life of your plan.

Helping Your Resolutions

Many providers offer a range of nutritional and fitness services, helping you achieve a healthier lifestyle and reduce the risk of major illnesses. Physiotherapy, second medical opinions, health
MOT’s and even discounts on gym memberships can all help to make your new year’s resolutions last more than just a few weeks!
Maybe your resolutions aren’t fitness related? Research shows that many people commit to financial goals at the start of the year, and your insurance provider can help you with this too.
Additional perks like free weekly coffee and monthly cinema tickets mean you can still get out and about without breaking the bank!

Mental Health Support

Every year, in the UK, 1 in 4 of us will experience a mental health problem. It is estimated that 1 in 6 of us will report the experience of a mental health problem (anxiety and depression) in any given week. Through the winter months, seasonal affective disorder (SAD) usually becomes more severe.

Financial worries and poor mental health are frequently related, so it’s important to make use of the support and benefits available to you. It’s worth checking what support you already have access to as part of your insurance policy – as many people don’t fully utilise the added-value benefits within their cover, which can range from discounts on mental health services to dedicated one-on-one professional support.

We break down the basics of protection at Insurance . Often we can spread your protection across several providers, allowing access to more of the perks and bolt ons at relatively low cost. Contact Us for more information or an appraisal of your needs.

General and Contents Insurance: Get Your Gifts Protected

The festive season is upon us. A time of family, togetherness and most importantly – presents! In a time of gift giving, it’s important to consider how you can protect any fancy new gadgets or expensive gifts you may receive this year. It would be devastating enough for your home to be broken into or damaged by fire or flooding – but the added anguish of losing your valuables could make it even harder. Of course, no one wants to think about these things happening to them – but it’s essential that you’re protected just in case.

Contents insurance is an optional protection plan that covers the contents of your home against damage caused by things such as fire, flooding and theft. Of course, these aren’t things anyone wants to think about over the festive period – but the alternative could be a lot worse. In a time where money is tight for millions of people, the prospect of having to pay large sums of money to repair or replace damaged or stolen goods could put a real strain on household budgets. Personal Belongings cover can be added to a Contents policy. This covers a range of various valuable belongings that wouldn’t otherwise be included under a contents insurance policy. Such things could include mobile phones, laptops, jewellery and camera equipment.

Usually, you’ll be covered against fire, flooding and theft – although accidental damage cover can be added as an optional extra. It’d be a real shame if your brand-new sofa was damaged during a particularly animated game of Christmas charades – so this could be an option worth considering!

Most policies will offer new for old cover. This means you will get the full replacement cost of any damaged or stolen items. However, some policies will only cover the current value of the items in question, so it’s worth checking the fine print of a policy before deciding what’s right for you.

Contents insurance policies are usually worked out on a sum-insured or bedroom rated basis. With a sum-insured policy, you get to put forward the figure you wish to be insured for based on the full value of the contents of your home. Alternatively, a bedroom-rated policy means that the amount you are covered for is based on the number of rooms in your house.

With Christmas just around the corner, many will be looking forward to both giving and receiving gifts. It’s therefore so important to make sure the contents of your home are protected against flooding, fire and theft. If you’d like to know more about how contents insurance can help you this holiday season, get in touch with us today!

Protecting your mind – Mental Health – an increasing problem

Protecting your mind. Couple in discussions with a professional

With World Mental Health Day having recently passed on October, and renewed focus in the media on the Britain Get Talking campaign, what better time could there be for each of us to take a moment to assess how we’re feeling. There’s no hiding the fact that we are currently living in uncertain and unpredictable times, and feeling stressed, anxious and overwhelmed is hardly uncommon at the moment as the cost-of-living crisis looms overhead. It’s so important to be aware of your own mental health so that you can know how to take care of yourself. So, what happens if it all gets too much? How do you protect your income and your livelihood if you need to take some time to look after yourself?

We take a look at the options available to you.

Every year, 1 in 4 adults in the UK experience some form of mental health problem – making it one of the most common health issues in the country. With the overall number of reported mental health problems increasing by 20% between 1993 and 2014, this is clearly a problem that people are becoming more aware of. A societal shift in recent years has changed how mental health is viewed and valued. Real progress has been made surrounding the awareness of mental health along with the help available if problems do arise.

So, where does your work life come into it? If you do sufferwith mental health issues at
some point during your working life to a point where you need to take time away from work to focus on your mental wellbeing, what are your options in terms of protecting your income?

Family hugging

Well, there are solutions. With the cost-of-living crisis causing millions of households to worry whether they’ll be able to afford their energy bills this winter, it would be unsurprising if we saw a spike in people suffering with mental health issues – but some may fear they can’t afford to take time away from work.

Income protection insurance can offer you the time you need when you are unable to work due to your mental health. Mental health concerns are among the leading causes for absence from work with sickness, with approximately 15.8 million working days being lost in the UK per year, with 19% of all long-term sickness absence in England being attributed to mental health issues.

Income protection can make sure you get the time you need without having to worry even more about how to afford your day-to-day life. It offers regular payments to ease the blow of being unable to work until you are well enough to return to work. The tax-free income you receive from your policy could be the difference for you being able to cover costs while you take the time you need to recover. Without that protection, you would be missing out on those payments and perhaps wouldn’t feel financially prepared to take the time you needed to fully recover and get back on your feet.

If you would like to discuss the options available, drop us a chat message or head over to our contact page

If you would like to know more about the Britain Get Talking campaign – head over to www.itv.com/britaingettalking/

Value-Added Services – Why should you care?

Many insurance providers want to offer you the most valuable service they can – and added benefits are one way they can do this. Almost all insurance providers will offer various freebies and discounts to customers, and they’re always a great bonus when you’re looking to get protected. It’s always worth checking what you could be entitled to through your policy – and if you don’t have a policy then the value-added services are always worth taking into consideration.

Value-added services may appear gimmicky and a cheap attempt to gain your custom – but that couldn’t be further from the truth! More often than not, protection providers offer you benefits, freebies and discounts that are genuinely worthwhile.

One hugely beneficial and common perk of a protection policy is having access to priority doctor’s services. With NHS waiting lists longer than ever, getting medical advice can be a long and painful process. So, why not check to see if your policy can offer you access to medical professionals without having to wait to see your GP. These services are designed to help you beyond just what the policy provides. Quick and accessible medical advice is hard to come by, so make sure you make the most of your policy and all it has to offer.

Some policies even offer discounts on cinema tickets, vouchers for meals out or gadgets. These added bonuses can help you to enjoy life’s luxuries without paying full price – something that is more valuable than ever. With the current energy crisis and rising mortgage rates, a trip to the movies may well be the first thing to be crossed off from your monthly budget, but why should it? In times of hardship, a little treat once in a while could really help to lift your spirits. Double check your policy to make sure you’re taking full advantage of the benefits available to you.

If you’re yet to take out a protection policy, it’s always worth considering the policy perks when deciding who to go with. Obviously, the priority is making sure you’re getting the best cover for you. But once you’ve found that – the value-added services are worth thinking about.

Some policy providers will offer free subscriptions to streaming services, discounts on meals out and even offer free gadgets like smart watches that track your health! If you and your adviser have identified a handful of providers that offer the perfect policy, the added bonus of discounts or a smart watch could be the reason you make your final decision. So, shop around – make sure you consider all aspects of a policy before committing to one.

Insurers want to make your experience the best it can possibly be – so why not make the most of it? Go back and check what your policy entitles you to and make sure you’re taking advantage. If you’re looking to take out a policy, your adviser will help you find the policy to best suit your needs along with informing you of all the added benefits on offer.

Using Furlough to understand Income Protection

No-one could have predicted the first half of 2020 and what it would bring, so the notion that you could have been completely prepared for what was to come is difficult to comprehend. I’m guessing that if you could travel back in time and put more insurance policies in place you more than likely would have.

One of the most overlooked types of insurance has typically been income protection. Research conducted by the Financial Conduct Authority shows that only 35% of people have any form of protection insurance in place, and of that 35%, only 4% have any form of income protection.

Two of the most common reasons for this is the lack of understanding around what income protection is, and also the belief that you’ll never need it! However, a good way to understand what income protection is and what it does is to look at the furlough scheme used by the government in recent months.

Since March, nearly ten million UK workers were placed on furlough, so it’s likely that if not directly impacted yourself, you know someone who has been. The basic premise of furlough is to support workers financially while they’re unable to work. Albeit that the mechanics, criteria and funding are different, this is basically what income protection does! What would have happened to all those workers if the furlough scheme hadn’t been introduced? This is the question you need to ask if yourself and assess your own circumstances if don’t have any income protection in place.

A common response to income protection is ‘it’ll never happen to me!’, but what 2020 has shown us so far is that nothing can be predicted and it is better to be prepared and protected should the unexpected happen.

What if you’re self-employed?

If you’re self-employed you can still get income protection, and in fact it may be even more relevant for you. However, according to research from The Exeter, less than one in 10 self-employed workers protect their income, and nearly a fifth of self-employed workers have no personal savings to rely on in times of financial uncertainty.

According to the Office for National Statistics, the UK self-employed workforce grew to 5 million by the end of 2019, representing 15.3% of employment, up from 3.2 million in 2000.

With more UK workers embracing self-employment, options within the marketplace have adapted to better serve this growing sector of the workforce, with bespoke policies tailored for the differing requirements of the self-employed.

Protection: Why you should always be covered amid a cost-of-living crisis

Protection insurance is severely undervalued by thousands of people across the UK. Often seen as an unnecessary expense – there are a vast number of people living in this country who are yet to take out a protection plan and therefore remain unprepared should they lose their income or worse – their life. With a cost-of-living crisis currently causing panic for many, it’s so important to stay covered even when you’re looking to cut costs elsewhere. Despite common misconceptions surrounding how often providers pay out, tougher times make protecting your family should anything happen to you even more vital.

The necessity of protecting your income in particular has never been more apparent. The pandemic offered millions of people a scary insight into just how quickly circumstances can change for anyone by forcing a huge proportion of the population out of work. Now, imagine how dire that would have been without the safety net that the furlough scheme provided for so many households nationwide. Illness can stop you working at any time and without warning and being in the midst of a cost-of-living crisis, protecting yourself against such an outcome has never been more valuable. Well, that is the harsh reality that faces those who are yet to take out a protection policy. Despite the evidence, there are still some common myths that dissuade people from turning to protection.

Do providers actually pay out?

So, do providers actually pay out – or is it all too good to be true? Well, contrary to what some sceptics might say, 98.3% of all claims made in 2019 on protection policies were accepted. This figure is enough on its own to display just how common a successful claim is – and how unlikely it is that a claim is rejected. There are of course a few occasions when providers don’t pay out – most commonly due to underlying issues not being disclosed when the policy is initially taken out.

Can everyone get cover?

Another common misconception surrounding the protection industry is that more complicated cases get turned down. There are plenty of insurance providers that specialise in the more complex of cases – and the figures suggest that the vast majority of those cases pay out too. The Exeter reported that 93% of claims were paid in 2021 with a total pay-out of over £10 million. Out of the 1,318 claims made throughout 2021, only 92 were turned down.

It’s so important for everyone to protect their income, and if the past couple of years have taught us anything, it is that no one can predict what the future holds. Being protected against any eventuality is a safety net that could prove to be invaluable to any of us.

Critical Illness Cover for your kids: what you need to know

When it comes to our children, there’s nothing we wouldn’t do to protect them – right? Well, there are some things that so many parents fail to consider. No one wants to imagine their child falling ill – but it does happen to some and is a situation that is important to be prepared for. Critical Illness Cover is an integral part of any protection policy if you have children – and it will help with some of the impacts you may not have even considered.

Children’s critical illness cover plays an important role in the protection space. Of course, you’d do anything to protect your children from harm – but what happens if they do fall critically ill? Aside from the obvious emotional distress such an ordeal can cause – a child falling ill can have a huge impact on your finances, especially if you’re forced to take time away from work to look after them. In the past, children’s cover was typically included automatically on critical illness plans regardless of whether or not you had children, it is now much more common for insurers to offer a more flexible range of options tailored to your needs – so it’s important to ask about it when getting covered.

The benefits of children’s cover can often be overlooked as it isn’t an income earner within the household falling ill, but the financial benefits from the cover offer a peace of mind and financial stability that is hugely valuable in the case of something as difficult as your child becoming critically ill does occur. Pay outs can be used to cover losses of income if you had to take time away from work to care for your child, as well as paying for expensive treatments or essential modifications to your home where necessary. Children’s CIC will protect your child whether they are naturally born to you, a stepchild or adopted.
What age does CIC cover children for?

The oldest age you can hope for your child to be covered for under a child’s critical illness policy ranges from 18 to 23 depending on the provider, although the majority will at least cover until 21. Most providers offer cover that start from birth, although some won’t offer a policy until your child is 30 days old.

Of course, even just imagining your child falling critically ill is an incredibly difficult thing to do – which only highlights just how important it is to get them covered. The emotional stress of dealing with a critically ill child is more than enough for anyone to deal with – and CIC offers peace of mind that your financial situation will be secure if such a tragedy were to happen to you.

If you already have cover in place but it doesn’t cover your children, get in touch with your adviser to talk through your options. You can add your children to your policy at any time, so make sure to speak with your adviser and ensure your whole family is protected

Making an Insurance Claim – Its easier than you think.

Making a claim on your insurance policy is a long, laborious process with hidden hurdles that make it incredibly hard to ever secure the pay-out you feel you’re entitled to, right?

Well, as it turns out, the data suggests quite the opposite! Despite the relatively baseless claims that often surround the protection conversation, making a claim is actually much simpler than you may think.

With the vast majority of providers rarely refusing a claim, making a claim is not only a relatively easy process, but also one that rarely ends in frustration.

The first port of call if you’re looking to make a claim is to call your insurer and ask them for a claim form. This could be a paper copy through the post or a digital one via email. This needs to be completed, and it’s always wise to keep a copy for yourself. Before you send your claim form back to your insurer, you should double check that:

• you’re within the time limits for making a claim
• you’re covered for whatever it is you’re claiming for

For General insurance claims, you may also want to consider:

• how much the excess is. It may not be worth making a claim if the amount you’re claiming for is less than this
• If you have any proof that may help your claim such as receipts, images or anything else that may support your claim.

As long as your claim falls within these parameters, there’s very little risk of not getting a pay-out on your policy. For example, one of the industry’s biggest providers, Aviva, had a successful claims rate of 98.1% in 2021 – paying out over £1 billion over the course of the year on various types of policies. That figure equates to roughly £3 million in pay-outs a day from a single provider, showing just how often protection pays off.

While speaking about the number of pay-outs made in 2021, Jacqueline Kerwood, Claims Philosophy Manager at Aviva, said: “Helping more than 53,700 families with pay-outs last year highlights the real financial vulnerability that many households without cover could face if they were unfortunate enough to experience significant illness or the loss of a loved one. This vulnerability will sadly only be exacerbated by today’s cost of living crisis and never has it been as important to have and keep some protection insurance in place”.

Smoking and Vaping: how can it impact your insurance ?

image of smoker

New research conducted by Royal London has revealed that smokers can save up to £16,000 on life insurance premiums by quitting. According to the insurer, non-smokers could be entitled to lower rate premiums if they have avoided tobacco, or nicotine replacement products such as e-cigarettes, for at least a year. So, how much of an impact on your life insurance can stopping smoking have. 

According to new research, a smoker aged 50 would pay almost three times the amount that a non-smoker of the same age would pay every month for the same sum assured. Obviously, this is down to the health risks associated with smoking – and the savings made by not smoking can be up to a total of £16,005 over a 25-year term.

Chief underwriter at Royal London, Craig Paterson, spoke on No Smoking Day about the savings that are there to be made by quitting smoking: “there’s a huge potential for savings on premiums, and that’s on top of not buying cigarettes as well as the benefits to your health. While the new year is a popular time
for many to give up smoking, No Smoking Day is a perfect opportunity for those who didn’t quite manage to kick the habit. Committing to making a positive change to your health can also lead to a positive change to your wallet – and realising that may help people stick to their decisions.”

Am I a smoker for insurance purposes?

With a long list of alternative nicotine products available on the market now, it can be hard to tell whether you fall into the ‘smoker’ category or not. Most life insurance providers do class vaping and the use of e-cigarettes the same as smoking. Although Public Health England found vaping to be 95% less harmful than smoking in 2015, there have been more recent studies that suggest there may be some longer-term health issues that the use of e-cigarettes could cause.

From an insurance provider’s perspective, any nicotine products are more often than not considered to be within the same bracket. There are sometimes exceptions, and the use of 0% nicotine e-cigarettes can be viewed differently – but as a general rule most insurance providers will need you to be nicotine free for a year before being classed as a non-smoker.

So, although the alternatives to smoking do not come with as many adverse effects, the inclusion of nicotine is enough to make you fall under the ‘smoker’ bracket in the eyes of an insurer. Therefore, there really isn’t much difference between the two when it comes to protection

Head over to our insurance page to find out more about Life Insurance, Mortgage and Income Protection https://mortgages4u.uk/protection

Do you need income protection?

Each year one million people in the UK sadly find themselves unable to work due to a serious illness or injury (ABI 2017). Income protection insurance is designed to give you some cover if you can’t earn an income for those reasons. If something happened to you would you be able to survive on savings, or on sick pay from work? If not, you’ll need some other way to keep paying the bills and you might want to consider income protection insurance.

Think of it as your own personal furlough – if you are unable to work, having a regular sum coming in from an income protection policy can really soften the blow and relieve the pressure on the day to day bills.

Read more here, or contact us for more information

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