How can we help?
You probably insure your phone, your car, your home and pets – but what about yourself? Should the worst happen, it’s important that you have insurance in place to protect yourself and your family. We can discuss and advise on the following plans;
- Income Protection– This is a policy that will provide you an income should you be unable to work due to long term sickness or injury.
- Mortgage Protection –This is an insurance that is designed to pay off your mortgage in part or in full if you die or are diagnosed as terminally ill.
- Critical Illness Cover –This is designed to pay out a lump sum in the event you are diagnosed with a serious illness or disability.
- Life Cover– This will pay out either a lump sum or a fixed annual amount to your family or nominated persons in the event you die or are diagnosed with a terminal illness.
We offer protection products from a range of providers, ensuring you have access to a suitable policy to take care of you and your loved ones.
We can also arrange for your plans to be placed in trust, ensuring that any proceeds fall outside your estate for inheritance tax purposes and that the proceeds are paid to the the right people quickly, without the need to go into probate, should the worst happen.
As well as ensuring your protection requirements are met, some providers also provide incentives to promote an active and healthy lifestyle. These incentives include rewards, discounts on holidays and retreats and cashback. In addition they can also reduce your premuim subject to you meeting the targets.
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What protection should i consider when getting a mortgage? For most people, the biggest expense in life will be the mortgage for their house, so it makes sense that you think about getting protection in case you need help to pay your mortgage at some point in...
Does giving up a day of your time to sit in an office or bank, answering questions and filling out paperwork sound like your idea of fun? No. Ours neither. Most people assume that getting a mortgage means heading straight to your bank. But unfortunately, this can mean missing out on the right deal for your needs.
The family home is something special and close to many people’s hearts. A place where memories are made and a place you can always come back to, no matter where life takes you. So when relationships break down and households split, it’s no surprise that there’s a main concern for what will happen to the family home.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.
©2019 |CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.
Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number:08820469