We advise on insurances efficiently by offering you the best deals existent on the market.
Regardless of the type of insurance needed, our advisers will find you a fair deal looking at a selected panel of providers. Moreover, we work via Mortgage Match Home Loans that are authorized and regulated by the Financial Conduct Authority.
However, what types of insurance can we provide?
- Buildings and Contents insurances;
- Private medical cover and ASU cover (Accident, Sickness and Unemployment Cover);
- Critical illness cover;
- Income protection:
- Life insurances.
Let’s break them down, shall we?
Buildings insurance cover protects the structure (the fixtures and fittings in your home), while contents insurance covers your belongings.
Accident, sickness and unemployment insurance is a short term income protection policy that replaces your income for up to 12 months should you be unable to work due to accident, sickness or involuntary redundancy.
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a defined critical illness during the policy term. For example, if you get a cash payout after being diagnosed with cancer, the policy is effectively finished. There is usually no life insurance payout if you die at a later date.
It doesn’t matter whether or not you have children or other dependents – if illness would mean you couldn’t pay the bills, you should consider income protection insurance. You’re most likely to need it if you’re self-employed or employed and you don’t have sick pay to fall back on.
Private health insurance is an insurance policy which covers the cost of private healthcare. It works in a similar way to any other insurance – you pay monthly or annual premiums, and your provider pays out for some or all of the cost of the private medical treatment you receive.
A life insurance policy pays out a cash sum to your loved ones when you die. While you are covered, you pay a monthly amount called a ‘premium’.
Think about the people who rely on you. Think about the kind of help they would need if you were not there. Life insurance can help you take care of your loved ones, even when you are gone.