Introduction

If you own property without adequate insurance for buildings, contents, yourself and your family, then you are gambling with your future.

Everyone realises that a home, an investment property or business property must be kept secure from break-ins and damage from fire or other causes. Unfortunately even though we understand the value of such deterrents, we often fail to realise the value of insurance in its various forms until it is too late.

The Right Level of Cover

Many properties are still under-insured or only have compulsory Buildings Insurance and many of us still think that critical illness cover, mortgage protection insurance and income protection are unnecessary luxuries. When you consider the value of properties and how accident or sickness can affect your livelihood it makes sense to invest in adequate levels of insurance protection.

During our working lives we strive to pay off debts and develop a secure future for ourselves. Illness, unemployment or an untimely death in the family does happen and can lead to serious financial problems. There is a myth that the government will look after you should you fall ill, have an accident or become unable to work. These days the rules on such matters are much tighter. For example, you can only get long term sickness benefit if you are unable to do any work – not just the job you had before you became ill. Unfortunately for employers, your ability to get a job is still very much dependent on relevant past experience. This could leave you unable to get work and unable to obtain benefit.

FSA Rules on Insurance Advice

The Financial Services Authority requires mortgage advisors to explain the risks of property ownership and how to protect against losses. Advisors should do this by discussing and offering insurance products that safeguard against financial loss or damage.

We can help you decide on the best strategy for protecting your property, yourself and your family by providing skilled advice on any of the following products:

• Mortgage Payment Protection (Accident, Sickness and Redundancy).
• Income Protection
• Life Insurance
• Critical Illness Cover
• Buildings Insurance
• Contents Insurance

Please contact us for obligation-free advice on any or these types of cover. We can put together a package for you to suit your exact needs and budget.