Business Protection Quote
We’re here for you. Whether it’s to talk about your existing policy, or to get a quote for your insurance needs. Get in touch and a member of our excellent team will be happy to help.
Call: 0333 222 1030
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Frequently Asked Questions
Why use an insurance broker?
Where using a broker is different is that WE can tell you what we feel would be best suited for your needs and make a suitable recommendation.
When insuring your life, your health and your income you want to make sure you have the correct cover in place - let us ensure this happens.
What types of protection insurance are available?
There are several types of protection insurance, including life insurance, critical illness insurance, income protection insurance, and accident insurance.
How much does protection insurance cost?
A bit of a cop out right! But it's true, it depends hugely on the cover you require.
Life Insurance can be as little as £x per month and health insurance can start from £x per month.
One thing you can be sure of is that we work on a whole of market basis, we're not tied to one or two insurers and we will source you the very best cover for your needs whether it's £x a month or £x.
All of our advice to you is free of charge whether you take a policy with us or not, no obligation and all that.
Who needs protection insurance?
Anyone who wants to ensure that their financial obligations are met in the event of unforeseen events should consider getting protection insurance.
How much protection insurance do I need?
The amount of protection insurance you need will depend on your personal circumstances and financial obligations. You should consider your debts, living expenses, and the needs of your dependents when determining how much coverage you need.
What is the difference between terminal illness and critical illness?
Terminal illness will pay a lump sum of money if you are diagnosed with 12 months or less to live. This is included as standard on all good Life Insurance policies.
Critical Illness cover pays a lump sum if you are diagnosed with a specified critical illness during the lifetime of your policy. You won't necessarily die from the illness but it'll certainly have a huge impact on your life. The 'big three' most claimed upon are for Cancer, Heart Attack and Stroke.
Should I place my policy in trust?
Even if inheritance tax (or any other tax for that matter) isn't a concern, the speed in which your beneficiaries receive the monies from your policy is increased hugely, it can literally be years in certain cases where probate is involved and a policy isn't written in trust.
Any broker worth their salt would recommend this. If they don't, ask yourself why.
Which health insurance policy is the best?
We don't do 'off the shelf' policies and we'll never want to.
The best policy will very much be based on your own circumstances but, rest assured, we'll be able to ensure you have a policy that's completely tailored to your needs.