Whether in conjunction with a mortgage or re-mortgage or not, we offer a free review of your needs and will recommend what cover is needed to properly protect you, your family, your property and possessions.
Even though lots of Southend area based families have person who works in London, who might get insurance benefit as a part of their employment contract, it is still important to ensure that your mortgage is adequately protected separately. This is because you never know if you might be unfortunate enough to suffer redundancy, and if you do, these benefits suddenly disappear too.
We are independent insurance brokers offering life insurance (also called life assurance) critical illness cover, mortgage protection, accident sickness and unemployment, and buildings and contents cover for both residential and buy to let properties (for more on that click here for the BTL page)
As with mortgages, we will talk through your needs with you, and then recommend the right products to match your circumstances. Once we have done that, we handle the entire application process for you too.
There are a number of popular misconceptions with regards to insurance, and the top three we come across regularly are:
I don’t need insurance because I don’t have a mortgage
Certainly not true. If you have any kind of family that will be left behind if you die, or affected financially if you can’t work, you need insurance. Even a young single person should have enough insurance to cover any debts and pay for a funeral.
Insurance is always very expensive.
Again not true. It is expensive if you buy too much of the wrong thing, yes, but is surprisingly affordable if you’re properly advised. Life insurance starts from as little as £5 per month, so get some quotes and see what the cost is for you.
At ABC we’re very keen that your insurance is sustainable long term, and so we will make sure that we establish a sensible budget for insurance with you and then build a plan to get as much of the right cover within that budget.
Insurance Companies Never Pay Claims
It is true, insurance companies don’t always cover themselves in glory. You only have to read the Sunday newspapers too see that.
However it is only the claims that have been handled poorly that you read about. The vast majority of genuine claims are paid in full. For example, as an insurance industry average, over 92% of critical illness claims are paid in full.
And don’t forget for the claims that don’t go quite so well, you can always use our sister company, Insurance Claims Expert – click here to visit their site for more information!
Click here for our IDD.
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