Many of us will know somebody who has suffered from a serious or critical illness or even died, all of which can have devastating personal and financial effects on those around them.

Whilst our lives may be going well, none of us know what is around the next corner, but it is exactly at this time that plans should be made; if something was to go wrong in the future, you want to know that you and your loved ones are protected, and that your finances will not become a problem.

After working so hard to build up what you have, such as your dream home, it is important that it is not all lost due to circumstances beyond your control.

Why do you need advice when there are so many search facilities available? It’s because our expert advisers will ensure that you are getting the right cover for you circumstances, and at the right price.

We can advise you on the right cover, taking into account your individual personal requirements, outgoings and lifestyle expectations.

Our aim is to ensure that you are offered a tailored protection solution so that you and your family are taken care of should the unexpected happen. We will also discuss with you the benefits of putting your policy in trust for no extra cost.

We will  continue to stay in touch once your initial review has been completed. It is important that we review your circumstances because you may need to adjust the level of cover you have over time as you experience different key life changes. 

This gives you the comfort of knowing that your loved ones will be provided for should you die. There are many different ways to arrange life cover and we can help you find the most appropriate plan available.

When linked to a mortgage, life insurance ensures that in the event of death your mortgage will be repaid. This means that your dependants will be left with a mortgage-free roof over their heads.

There are two common types of life insurance linked to a mortgage; level term and decreasing term.

Level term insurance provides a set level of cover for the term you choose. Decreasing term insurance covers you for the term you choose, but the level of cover decreases through the term of this policy, usually to coincide with the reducing debt on your mortgage.

Critical Illness Cover (CIC) is similar to Life Assurance but it pays out on diagnoses of certain illnesses as opposed to only paying out on death.

This can be added to your life cover which means that  you could help yourself and your family cope for a while without income to pay household bills and debts. This would mean one less thing to worry about at this very stressful time. CIC will normally pay out a lump sum which could also cover other expenditures like:

• Private treatment

• Prescribed drugs not available through the NHS

• Changes to your home

• Paying off all or part of your mortgage

This is one of the most common protection products as a mortgage payment is often someone’s biggest commitment. Commonly known as Accident, Sickness and Unemployment cover (ASU), this can give you peace of mind knowing that, in the event of redundancy or illness, your mortgage payments will be made and your home will be safe.

Most standard mortgages do not have any protection insurance included, so it's important to decide what kind of separate cover you need. Usually payments are made for up to a maximum of 12 months, but if you would like to be covered for longer than this you may want to consider taking out income protection.

While buildings insurance is not compulsory, if you have a mortgage, it is likely to be one of the conditions imposed by your lender.

Buildings insurance will cover your home from such events as fire, flood and subsidence.

It generally covers the bricks and mortar of your home along with any fixtures and fittings within the property, and contents insurance protects the possessions within your home.

As soon as you buy a house and exchange contracts, you become legally bound and responsible for the property. 

It is therefore essential that you ensure you have buildings insurance in place from the exchange of contracts to protect you from potential disasters out of your control.

Along with fires and floods, a good buildings insurance policy will protect your home against storm damage, subsidence, burst pipes and vandalism. Failure to have cover in place could result in you having to pay out thousands for repairs or even being left homeless.

We will talk to you about the level of cover you require, including any valuable items, bikes etc., and will be able to find you the most appropriate cover available for your circumstances.