Even if you don’t have a mortgage, it is imperative to protect yourself against financial loss.

However taking out a mortgage is a huge financially commitment and I urge every single client to consider the “What if?” scenario. It’s not a nice conversation to have but it is essential. We all protect and insure our mobile phones, jewellery, pets but yet ourselves and our families are the most important item to cover.

Everyone’s protection needs are different, we are here to work with you to see what you have, what you need, work with your budget and provide cover that fits your needs in case that “what if” situation sadly arises.

Life insurance is probably the best-known protection product, it pays out a lump sum if the insured dies.

There are different types of life insurance and we are here to advise and recommend the best product for you and your family.

Critical illness pays out a lump sum when a defined medical event occurs, for example if you are diagnosed with cancer or suffer a heart attack.

As illnesses such as cancer statistic are high, sadly cancer now effects one in two of us this type of policy provides a huge amount of financial security.

By removing that financial stress in a time of serious illness this will hopefully allow you time to concentrate on recovery.

This is a form of life insurance that pays out a regular sum to your family if you were to die, often this is taken in addition to a life insurance policy.

Take out this to ensure your family are able to maintain their current lifestyle and avoid any major changes having to be made at what would already be a very difficult time.

This type of policy would pay out an agreed amount each month to cover financial commitments such as your mortgage, household bills and expenditure. Sadly, if you are unable to maintain your mortgage payments your home would be repossessed. This is why it really is essential to protect yourselves and your family against such events.

We would consider any sick pay received from your employer, but often this is very minimal and if you are self employed you would have no sick pay at all.

Loss of income immediately puts a huge financial strain on the household whether you are a single person or a parent with four children. This type of policy would pay out an agreed amount each month to cover your mortgage, household bills and expenditure. Sadly, if you are unable to maintain your mortgage payments your home would be repossessed. This is way it really is essential to protect yourselves and your family against such events.

Buildings insurance is a legal requirement by your lender, and we always recommend you take out contents insurance as well to protect your own possessions.

Buildings and Contents insurance will cover your home and it’s contents in the event of damage from extreme weather, water damage, accidental damage and burglary for example.

This is also any area we have lost of experience and will happily provide a quote and recommendation.