Financially protecting yourself, and your family, is the most important part of planning for your future.
Whole Market Insurance options provide our clients with an outstanding choice of solutions
From life insurance to critical illness protection to income protection, we can discuss a range of different types of cover to suit your circumstances.
Income Protection provides you with a regular tax-free income if you cannot work due to an accident or sickness. Available to both those employed or self-employed.
Critical Illness cover pays a tax-free lump sum if, during the term of the policy, you are diagnosed with one or a number of specified illnesses or conditions.
Life Insurance is designed to pay either a lump sum or regular payments should you die during the policy term, typically to your dependents, replacing lost income.
Providing a tax-free lump sum for the benefit of your business should you or a key team member die. This allows you to replace lost profit and replace your staff.
This will give you and your key staff additional protection for long-term sickness and allow you to fund the cost of replacement temporary staff where required.
Make sure your wishes are followed according to how you wanted them to be on your death, and provide security for your later years ensuring care and finances are managed.
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By Insuring your home and belongings against the prospect of damage, you can sleep easier at night.
Specifically designed to protect the building and your liability as a Landlord for your BTL property portfolio.
Bypass NHS waiting lists and prioritise health for urgent treatment - immediate private GP support & rehabilitation.
Understanding your concerns and need for protection is even more important than your mortgage, let’s make sure you can keep your home with effective protection in place.
It is easy to get caught up in the euphoria of buying a home and fail to address the need to protect yourself and your family from any potential disasters. It’s important to put both time and budget aside to ensure you don’t risk everything you have.
What is Important to you? Let’s check what you need, and what is already in place.
We will check 000’s of policies and Insurers to find the right options for your needs.
Once we agree to proceed, we will look after all of the process for you, after a review of your medical health
Once approved by the insurers, your protection is ready to go live, giving you that peace of mind.
What’s important to you? Let's have a chat to discuss your concerns.
Let’s check what your employer provides and any other insurance you have in place.
Let’s talk through your situation, and look at each of the potential issues you may face.
Once agreed to proceed, we will need to apply on your behalf, following a review of your medical health.
Expert advice tailored to your individual needs from our award-winning choice of UK Insurers
From our extended choice of insurers this allows us to to find the cheapest premiums based on your health and needs. We don't load premiums either, keeping the cost low.
No charge to discuss your needs - often a chat around insurance and how the different types of cover work can help understand the role of insurance in your planning.
Insurance plans need to change with any life events, so we keep in regular contact to discuss when we need to look at any changes to your protection needs.
Some of the questions our clients ask on a regular basis
It is essential to review your life cover on a regular basis, to ensure it matches your needs. But you should review when there are major changes in your life, such as the birth of a child, change of employment, marriage, or when your mortgage deal is due for review..
This does depend upon your specific situation and your goals, but ideally sufficient to reduce or repay your mortgage and other commitments. Many look for a smaller sum of cover to help with any short-term reductions in income, or to pay for improvements to their home.
Most insurance is based on your individual health situation. The insurer will want to establish if you are an acceptable risk, if there is any history or illness in the family, and your individual health. Once the insurer understands this, it can decide the cost of the premiums for your life cover.
Insurers may request health screening or a medical report from your Doctor, just to get a better understanding of health, normally paid for by the insurer.
Most employers provide a level of sickness benefit for a period of time, but this may only for a few months. Once that benefit ceases, and you are not able to return to work, you would need something to takeover form your sickness benefit. Income Protection would start once your sickness benefit ceases, and could continue for many years.
The different types of insurance are typically priced based on your your age, health, smoker status and the level of cover required. Life insurance is the cheapest form of protection, whilst Critical Illness is more expensive given that 1 in 2 of us will suffer a critical illness in our lifetimes. Setting an adequate budget is essential to ensure your risk is minimised and your home and family are not at risk.
We help buyers just like you to get a mortgage – regardless of your financial situation. With over 35 years of experience and access to all market lenders, we are specialists in finding the right mortgage and protection you need.
01245 398 466
EHF Mortgages is a trading name of Essex Home Finance Limited and is authorised and regulated by the Financial Conduct Authority FCA No.940123. Registered in England no: 10607263 with address: 2 The Old Coal Yard, Little Waltham Road, Chelmsford, CM1 7TG
Some types of finance such as bridging, development, commercial and buy-to-let mortgages may not be regulated by the Financial Conduct Authority. Fees may be payable for advice and/or arrangement of your mortgage. As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the repayments on it or any other loan secured against it. Think carefully before securing other debts against your home. Will writing and Estate planning is not regulated by the FCA.