Each Provider has a list of different definitions you can be covered for, and some will look at lower graded critical illnesses at an additional cost. Some providers will want you to survive a Critical Illness for a certain period of time, however there is a provider who will potentially pay out on production of a [...]
It pays out an amount of money if you die, often within a specified period. However, insurers also provide a range of additional benefits you’re highly unlikely to be aware of, so we’ve listed some below: • A support service which offers an independent team of counsellors, advisers and legal experts • Free counselling sessions, this [...]
Getting protection for yourself isn’t always a guarantee. Lots of variables can affect your ability to get insurance, so if you’ve already had health issues, you may find it increasingly difficult to get life assurance, if at all. Here are some examples of the cover we have sourced: • A client had a heart attack and [...]
There are many forms of life cover – here we look at the most common ones and what they can be used for: Level Term Assurance. This pays out a lump sum of money (chosen at application stage) for a specified period. The amount of life cover payable doesn’t change throughout the term. This type of [...]
Why do we insure our car? Apart from the fact it is a legal requirement to drive on the road, we need to make sure we can still get about if anything happens. So why don’t we do the same with ourselves? Insuring our incomes and also ourselves is something most of us don’t consider important [...]
We were recently mystery shopped by FT Adviser magazine and the results were what will strive daily to obtain, scoring 35/35 and being the 'shopper's choice' when compared to three other brokerages, below is the full article: MYSTERY SHOPPER: WEST LONDON Each week the mystery shopper seeks advice from independent advisers in the UK. The aim [...]
It wasn’t so long ago that my wife was pregnant and the issue of maternity leave and pay was high on the agenda. If you’re in the position where you need to move during a period of maternity leave then a lender’s stance can be dependent on the period left before you return to work i.e. [...]
Given the demands of current living more and more workers want a more flexible approach to how they work. As a contractor you will be deemed as being self-employed and the vast majority of lenders will require at least two years’ accounts, basing affordability on net profit for a sole trader or remuneration and dividends for [...]
Another tax year has just passed us by and for the self employed, attention will turn over the coming months to submitting your tax return for 2017/2018. Conversations will take place with accountants with a view to mitigating the tax liability as far as possible, but by being overzealous you may find if you’re looking to [...]
Switch on the TV or look in the paper and you’ll see one of the largest credit agencies encouraging you to check your credit report. They’ll go as far as providing you with a credit score which is all important when securing any type of finance. It is important to understand that there are things that [...]
