Independent Insurance Advice in London

 

We are all very used to insuring material objects such as Car, Jewellery, Antiques and our home. But individuals are genenrally less keen on insuring the most important thing, themselves!

 

Financially speaking, a working individual is worth their net assets plus their future income generating capacity. In order for this future income to be collected, an individual needs to be alive and in good health. Ill health or death can have a devastating impact on personal finance and on those that depend on you. It is therefore a recommended financial strategy to have some insurance to cover these risks.

 

In an ideal world, the government, family and/or friends would provide a true safety net for all eventualities, or individuals and companeis would be able to afford all the insurance that is needed.

 

In practice, however, we find that people have a limited budget to allocate towards the cost of insurance.

 

We are in a position to advise and prioritise your needs. We can then allocate the available funds in the most efficient manner.

 

 

The amount you pay for insurance will be based on the information you give the insurance company and the type of risk you want to insure. Insurance companies use underwriting criteria, for example, your age, where you live, if you smoke to help them work out the price (premium) of the insurance.

 

You pay either a sum for the whole year (or sometimes longer), called a single premium, or a regular premium, usually monthly, into the policy.

 

There are many different types of insurance products that can be used to cover a number of unforeseen events. The most common ones are detailed below. Please follow the links for further information on the individual products:

 

Term Assurance/Mortgage Protection

 

Critical Illness Cover

 

Whole of Life Insurance

 

Income Protection/Accident, Sickness & Unemployment (ASU)

 

Private Medical Insurance

 

Family Income Benefit

 

Specialist Risk

 

Gifts Inter Vivos

 

 
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We are Independent Insurance Brokers

 

The above types of plans are some of the common types of insurance products available in the market. Our Advisers have sound knowledge of a wide range of insurance products and can help you decide which ones are more suitable to your needs and circumstances, whilst taking into account your affordability.