your insurance made simple

We understand that Insurance plays a huge part in providing security to most homeowners across the UK. So, we’re here to keep it simple, cost-effective and relevant to you and your loved ones. Our friendly team of protection experts will help you navigate through the best solutions for you.

Simple ways to understand your Insurance Options

Homeownership is something we long for. But what about looking after ourselves? That’s usually way down the list of priorities.

We understand that Insurance plays a huge part in providing sustainability to most homeowners across the UK. So we’re here to keep it simple, cost-effective and relevant to you and your loved ones. Our friendly team of protection experts will help you navigate through the best solutions for you.

how we help

Let’s get you insured

Insurance in 3 simple steps

The steps towards your insurance couldn’t be easier with our straightforward approach!

01

Book A Call With A Member Of Our Expert Protection Team

We will need to understand all of your current circumstances including any existing mortgage balances and details of any dependents. We’ll then assign you to a dedicated advisor who will explain everything there is to know!

02

Receive Authentically-Human Advice

We’ll be there, holding your hand throughout the process. We’ll make sure that we take care of all your paperwork, have a tailor-made insurance policy and help you to understand how your policy works.

03

Live Easy With The Right Protection

Before you know it, your property will be insured! You’ll be able to know that should anything happen to you or your family, you’ve got yourself covered.

Mortgage options and help

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Frequently asked questions

There are many types of insurances out there however the most common types include:
  • Life Insurance
  • Level Term Assurance
  • Critical Illness Cover
  • Building and Contents Cover
  • Family Income Benefit
  • Income Protection
  • Whole Life

As a guide, we’d usually say between 5%-10% over your overall mortgage payment is a good starting point. We’ve typically seen this allow customers to cover their three main pillars:

  • Life Insurance
  • Critical Illness Cover
  • Income Protection

Giving you peace of mind that should anything happen to you, your family can continue their way of life in the home you’ve worked hard for.

Having Life Insurance is almost always necessary if you’re a parent unless you have a tonne of money saved away in your bank account – even then, it’s probably still a good idea.

Life Insurance gives you peace of mind knowing that your spouse, kids or anyone dependent on your income will be financially stable once you’re no longer around. 

Book in your call with one of our expert protection advisers to understand the areas that you need to consider protection.

 

Most people feel that life insurance will cover the needs of their family if they should die prematurely, but suffering from a critical illness or long term disability can be just as devastating financially. Critical Illness Cover is usually linked to Life Insurance as a combined policy and provides you with a pay-out if you are diagnosed with a pre-defined critical illness, which is usually things such as Cancer, Heart Attack, Stroke & Multiple Sclerosis. This means you’ll be able to make sure you have additional funds available to maintain your lifestyle.
An Income Protection policy protects your pay packet. If you’re ever off work due to illness or injury for a prolonged period of time, this policy is designed to replace your income until you have returned to work, moved to new employment or until the payment period comes to an end. They payout after what’s called a ‘Deferred Period’ – this is the amount of time you need to be off work before you can claim on the policy and typically it can be anything from 1 month up to 12 months. An Income Protection policy is also a percentage (%) of your annual salary and is there to make sure you can still upkeep your lifestyle and pay any essential bills.
Family income benefit is designed to pay a regular income if you die. An alternative to level term insurance, family income benefit aims to replace lost income if the person insured dies and is usually there to support families with children. If you’re the main income generator for the family and sadly pass away, it means your partner can continue to provide for the family without having to take on an additional workload.

This insurance policy covers you for your entire life. The insurer invests your premiums until a claim is made. The insurer may increase the premium if the fund performs poorly due to market conditions. However, the pay out remains unchanged.

An Insurance Policy that is based on a health assessment may not cover you for a pre existing medical condition.

We always recommend that you check your policy documents before signing on the dotted line to ensure you are fully aware of the cover your policy provides.

NEED SOME EXPERT INSURANCE HELP IN THE UK?

Get in touch

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