Accident, sickness and unemployment cover advice.

Life is uncertain, so it’s always a good idea to make sure you have the right level of cover in place to protect you and your family from accident, sickness and unemployment.

What is accident, sickness and redundancy cover?

Accident, Sickness and Redundancy cover is a short-term policy that is designed to pay you a tax free monthly benefit for up to 12 months, if you can’t work due to an accident, sickness and/or involuntary unemployment. You can select accident and sickness cover only, as well as redundancy cover only. We can advise you and help you to choose the right options for your needs.

What may not be covered on this policy?

If you lose your job immediately after you setup your policy, you may not be covered on this policy; this is due to the lender imposing a waiting period to protect themselves from fraudulent claims. Another factor, which often applies to most financially beneficial policies is pre existing medical problems. The policy could exclude you from claiming against issues that you already know about. However, with every protection and insurance policy, each individual’s requirements and circumstances are unique to one-another – which is why we always advise you to speak to a member of our team, so that they can help choose the right cover for you.

Important things to consider before choosing your broker.

Why not speak to a few financial advisers to see how they shape up? We have put together a checklist to help you with your decision…

What now? Speak to an adviser.

If you speak to one of our advisers, they can develop a bespoke mortgage
quotation for you based on results from over 50 lenders.

Our protection adviser checklist.

Why not speak to a few financial advisers to see how they shape up? We have put together a checklist to help you with your decision…

Competitor

Are they whole of market (independent) ?

Do they offer an initial consultation without charge?

Do they offer full advice and recommendation service?

Do they have a detailed and documented advice process?

Do they have a client charter and set of service standards?

Are all fees fair and transparent and agreed before proceeding?

Are they able to accommodate your preferred meeting times?

Do they have professional and private offices for meetings?

Are they able to demonstrate a consistent pattern of satisfied clients?