Protection Blog: Latest News
Homeowners typically increase their fireplace use during the colder months for warmth. For those living in thatched properties, this can increase the risk of a thatch roof fire, particularly if they rely on a wood-burning chimney as their primary source of heating.
It's therefore unsurprising that the leading cause of thatch roof fires originates from embers and sparks emitted from th
Income protection is often misunderstood. Many people still rely on guesswork or assumptions when thinking about what happens if illness or injury stops their income.
Myth 1: Income protection is just for salaried employe
The main purpose of life insurance is to pay out on death, but some provision is usually included for ill health through terminal illness benefit. Unlike income protection and critical illness cover, this benefit will only pay out when the illness results in a terminal prognosis of less than 12 months to live.
Terminal illness benefit only requires the prognosis of less than 12 months
Managing a rental property isn't always predictable, especially when it comes to rent payments. Whether you're new to letting or an experienced landlord, missed or delayed payments can have a serious impact on your daily finances. That's why many landlords are exploring options like rent guarantee insurance.
As part of your overall landlord insurance strategy, rent-related cover is be
A single life insurance policy covers one person and pays out on their death. It offers clear underwriting, flexible cover, and benefits tailored to that person's financial obligations.
This can be suitable when a couple have unequal incomes, individual debts, or require cover beyond the life of their partner e.g. business commitments or dependent support needs.
In contrast, j
Workplace sick pay may not last long, but conditions that stop people working often do!
If you think that your workplace sick pay means you don't need Income Protection, here's what you might not have thought of...
What happens when your sick pay runs out?
Sick Pay Only Lasts So Long: Most employers only offer si
Seven deadly sins
Price comparison sites offer the promise of low insurance premiums, but could leave you with cover that turns out to be much more expensive in the long run.
Everyone wants a good deal on their home insurance. At a time when Britons are counting the pennies more closely than ever, it's natural to be searching for the cheapest policy, particula
Underwriting a plan well at outset makes a future claim easier
Applying for protection insurance isn't difficult for many people, but it can sometimes seem like a lengthy process, especially if underwriters see a need for things such as medical reports.
Here are the steps to applying for protection insurance...
Step 1 - Understanding options
The language of life insurance can be confusing, so here's a simple guide to some of the key terms.
A
Age limits
The maximum or minimum age that an insurer will issue a policy or continue one that's already in place.
Applicant
The p
Businesses as we know require many different Insurance Plans, be it:
- Public Liability- Contents- Professional Indemnity Insurance - Vehicle Insurance
We appreciate the thought of hearing us suggest extra insurance on top of everything else that you already have, can seem daunting.
But with tax advantages on a lot of
Written by Sarah Fox
In an ideal world we would all want the best protection possible, not be having an either/or conversation, but due to circumstances, cost etc. very often this can be the case.
Here I shall look at income protection and critical illness cover.
Both of these policies can be incredibly valuable to have if you become ill, so that you can be safe in the
We know that if someone needs to claim on a policy, something devastating may have happened.
Be it an Accident / Illness / Critical Illness or sadly someone has died.
So, to help you ensure a claim runs smoothly, it may be wise to understand the types of Information that are good to have to hand for a claim to be addressed swiftly and easily.
Depending
What is Indexation?
The idea behind indexation is simple. It's just an add-on to your policy that allows you to increase your cover in line with inflation on an annual basis.
It is important to consider adding indexation onto your new Insurance Plans where possible, especially when inflation rises significantly.
Just look at fuel costs or your weekly s
Following the 2024 budget announcements, there has been quite a bit of concern from the farming community about how their land is going to be taxed.
Essentially, farmers never used to pay inheritance tax on agricultural and business property that they inherited. So, a family farm would smoothly pass from parents to children without there b
Life Cover
The good news in this day and age is that we tend to have more open conversations with family and friends about money, and getting support wherever it might be needed.
Exciting times lie ahead, purchasing a home, but when you take out a mortgage you are taking on what is probably your biggest financial commitment. This can be quite daunting and the thought of sorting out anything else can be at the bottom of your priority list.
Let’s consider it’s like creating your perfect ‘6 slice pizza’ – I know bear with me!