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Life cover can be the key to your family’s peace of mind
You have a partner. You have children – or may do in the future. You therefore have liabilities. Life cover can protect the future security of your loved ones. Life cover ensures that an amount of money will be left to your family if you die. Critical illness cover may be added to this policy.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same insurer. Independent means that we can offer every kind of product from every insurer.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 30 experienced advisors for the more obscure questions
- Access to every type of product from every insurer – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisors as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your personal and corporate protection specialist
Coran Stubbington
Coran worked as a bank manager for 20 years, on the South Coast and in London. She was made redundant in 2019, moved into the world of Business Development Management, joining Protection and investment in 2023. She is delighted to return to her roots to selling financial services, which is something she has done for 27 years. She specialises in protection, especially for business owners and teams, helping owners protect the business, themselves, their family and their staff. She has teenage twins – a boy and a girl – and a dog called Branston. She loves hosting events.
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Joe Bloggs, Managing Director
FAQs
What is the difference between life insurance and life assurance?
Life insurance (or term life insurance) covers you for a fixed period, like 10, 20, or 25 years. It only pays out if you die within that term. Life assurance (or whole-of-life cover) lasts for your entire lifetime and is guaranteed to pay out whenever you die. This makes assurance policies more expensive.
Do I legally need life insurance for a mortgage?
No, it is not a legal requirement. However, many lenders strongly recommend or may require a policy to be active before they will release mortgage funds.
Do I get any money back if I outlive the policy?
No. Standard term policies do not have a cash-in value. If you survive the term, the policy simply ends with no payout.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch