Landlord’s Insurance
As a landlord, ensuring that you have good quality landlords insurance is vital. This blog will break down all the elements of landlord’s insurance, and the add-ons available. Buildings Cover: This covers the cost of repairing damage to the structure of the property. The minimum amount you should insure is the full reinstatement value of […]
Offset Mortgages In Focus
This blog focusses on a less common mortgage type that can be beneficial to some people. The product is aimed at those that have high savings levels and the ability to save regularly from surplus income. A savings account called an Offset Saver Account is set up alongside your mortgage. The money held in the […]
Met Life Childshield In Focus:
We are delighted to have access to Met Life’s award winning Childshield policy. Until now, a parent has had to take out cover for themselves to protect their children. Because it is not always possible for a parent to secure protection, Met Life launched Childshield which is a genuine stand-alone product to protect children. Childshield […]
Common Protection Misconceptions
Over the years, we have had many clients that have resisted taking much needed protection based on misconceptions. In this blog, we tackle some of the most common misconceptions we hear: “I’m too young to need critical illness cover.” Critical illnesses can affect anyone, at any age. Having suitable cover ensures financial support during treatment […]
Misconceptions around using a protection adviser
Taking advice from a professional advisers is the key to having appropriate cover and yet so many people still decide to go it alone. This can lead to the wrong cover being taken out and in some cases, paying for cover that you are not eligible for. There are many misconceptions around using a protection […]
What is Family Income Benefit?
When planning for the future, it’s essential to consider how your family would cope financially if you were no longer around. One way to provide financial security is by taking out family income benefit which is a type of life insurance policy. This type of policy ensures that your loved ones receive a steady income […]
What is the difference between decreasing and level life insurance?
When taking out life insurance you will have the option of choosing between decreasing and level cover. This blog explains the main differences. Decreasing Term Insurance The sum insured reduces over time. This is commonly used to protect a repayment mortgage. With a repayment mortgage, the mortgage loan reduces with each payment made. With decreasing […]
Met Life Accident Cover
We are delighted to have access to Met Life’s accidental protection policy called EverydayProtect. This policy is not suitable for everyone, so taking advice is key. This blog explains some of the key features of the Met Life EverydayProtect policy: Benefits for Broken Bones *Not all bones are covered. Benefits for UK Hospital Stays Benefits […]
Understanding Mortgage Terminology
Navigating the world of mortgages can feel like learning a new language. But fear not! We’ve got you covered with this handy glossary to help you understand the key terms. Loan to Value (LTV) Loan to Value, often abbreviated as LTV, is a measure of the amount you need to borrow compared to the value […]
Things to Remember When Moving House
Moving into a new house can be stressful with so many things to do and remember. Here are some items to add to your to-do list that you may not have thought of: Start Packing Early Start packing away items that you don’t need every day as early as possible. This means fewer things to […]
