Insurance

Protecting yourself and your family is key to everything. Don’t leave this to chance. Our advice will be bespoke to you and we will ensure it is affordable

The Ways Of
Protecting Your Future

Life Insurance

We are planning for the future to protect you and your family.

We offer a range of insurance policies from several leading insurers, which can either pay out a lump sum if you were to die or provide an income for a specified time.

At different stages of life, many people can benefit from the peace of mind a Life policy can bring. We’ll help you work out how much cover you need with your policy. In the event of your death, it may not just be a mortgage you want to have paid, and you may want to leave your loved ones enough money to cover the income you would have earned.

Life insurance policies have a few extra features which can be beneficial for you. You must take advice when arranging a policy of this type to be assurred you will have the level and type of cover that best suits your needs. We provide a fully advised service, explain how additional features work, and decide if these are options you want, included in your policy.

Contact us, and we’ll arrange an overview of your protection needs to ensure you are fully protected.

Critical Illness Cover

A lump sum payment if you become critically ill.

No one likes to think about suffering from a Critical Illness, but one thing is for sure if you were to become critically ill, the last thing you would want to worry about is your finances.

Critical illness cover typically pays out a lump sum if you survive a critical illness specified under the policy terms and conditions, such as some forms of Cancer, a Stroke, Multiple-Sclerosis, Heart Attack, Kidney Failure, Blindness, Deafness and many more. You can use the payout to pay off your mortgage, medical expenses or even go on holiday – it’s entirely up to you! Also, your children may have a degree of cover under the policy Free of Charge.

You can choose as much or as little cover as you need, and we will help tailor a quote to fit within your budget. Cover can be affordable, and this can include life insurance.

To ensure we find you a competitive & comprehensive policy, we source quotes from a range of leading insurance companies.

Contact us, and we’ll arrange an overview of your protection needs to ensure you are fully protected.

Income Protection

A monthly benefit if you are unable to work.

An Income Protection Policy is one of the most important insurances that you can consider, as, without your income, your life style could change dramatically. What would you do if you could not work due to disability or ill-health? If you had a reduced income, how would you pay your bills? Could you survive on State Benefit alone?

An Income Protection Policy is designed to provide an income if you are unable to work due to disability or ill health. Unlike an Accident, Sickness & Unemployment policy which typically has a maximum term of 1 or 2 years, an Income Protection policy can have a significantly longer term, and typically upon a successful claim would pay out a monthly tax-free income under current legislation, typically until the earliest of recovery, retirement, the policy end or your death. Income Protection policies usually do not protect you against redundancy.

The maximum cover you can have is typically between 50-70% of your gross income, depending on the provider. However, as the benefit is paid tax-free, this may represent a higher percentage of your net income.

Contact us, and we’ll arrange an overview of your protection needs to ensure you are fully protected.

Family Income Benefit

Family Income Benefit is often known as FIB. It is a form of Term Insurance cover which pays a regular income for your loved ones from the time of the claim to the end of the plan term.

Contact us, and we’ll arrange an overview of your protection needs to ensure you are fully protected.

Landlord Insurance

As a landlord, you aim to generate an income and obtain capital appreciation through your property investments. It, therefore, makes all the sense in the world that you should try and protect your assets against unexpected incidents and events.

What would happen if one of your properties suffer flooding damage and become uninhabitable for 2 months whilst builders carried out repair works? How would you fund repair works and cover loss of income? Cover for lost rent can often be added to a plan as an option. Furthermore, if a tenant fails to pay you rent, how will you meet your monthly mortgage repayment and other regular property-related costs? Worst still, what if a resident suffers serious bodily injury due to a rickety staircase? As a landlord, you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.

Buying landlords insurance is the best way to protect your property portfolio and provide you with peace of mind. By having a policy in place, you know that you will be protected against the financial consequences if things go wrong.

KG Mortgage Services Ltd trading as Envision Financial Solutions act as credit broker not a lender for Landlords insurance

Buildings & Content Insurance

Your home will be the largest asset you own, and it is essential that you have the correct cover in place to protect it. Buildings cover a compulsory requirement of a Mortgage Lender, but you should also consider the cover to protect all of your possessions, not only in your home but also away from home as well.

What if your home were damaged by a fire or flood, or what if you were robbed, or maybe you had an accident at home and damaged your contents? What if you dropped a camera whilst on a day out or lost an item of jewellery whilst shopping in town. These occurrences could happen and do happen, and they can be covered for a relatively modest repayment.

We have access to a range of leading insurance providers in this area and will discuss the products, rates, and exclusions that may apply in detail with you.

We will happily search for the right policy from our panel of providers to provide the most suitable cover.

Simply click the button below and we’ll get you a quote for your Home Insurance.

KG Mortgage Services Ltd trading as Envision Financial Solutions act as credit broker not a lender for home insurance

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Envision Financial Solutions