The world is changing – so should your insurance The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your [...]
If you have dependents – people who rely on you financially – then you should have life insurance. In fact, if you have dependents and don’t have life insurance, you are exposing them to grave financial risk. And who would want to do that? Life insurance tends not to feature on ‘to do’ lists because it [...]
When someone is arranging a policy in their own name and its connected to a mortgage, there are some important benefits to consider when placing it into trust. Joint life policies can be put in trust, however for the purpose of a mortgage it’s not a usual process. If you have a joint life, first death [...]
Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage, lender conveyancer and even removal company for you. We’ve put together some ideas to try and [...]
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 [...]
