Protection

Thanks to Prestige Financial Services you will also receive complete advice on insurance. We specialise in solutions to secure your mortgage, your family, health and finances.

We use a selected panel of many of the most reputable insurers in the UK, giving our clients a wide range of offers that represents the whole of the market for Life assurance, Critical Illness and Income Protection.

Whatever your need, our experienced advisers are obliged to prepare the most suitable insurance pack for you, taking into account your individual circumstances, expectations and financial situation.

When you take out a mortgage, it is our duty to present a protection recommendation which will secure the roof over your head. Remember that if you fail to pay your monthly repayments, your home may be repossessed by the mortgage lender. Do not allow death, illness, loss of employment or being unable to work prevent you from paying your mortgage and potentially lead to losing your property.

Additionally, when getting a mortgage, it is required that you have a building insurance. It is also worth considering getting an extra cover for your contents (furniture, equipment, etc.) and for personal belongings used outside of your home.

1. Life Insurance

Protection in case of death. Death of a loved one is never easy and it is hard to deal with. Premature death – as a result of an accident or illness – could happen to anyone, usually in the least expected moment. Appropriate cover will let you not to lose sleep and will guarantee that even in the worst case scenario your home and your family are protected.

2. Critical Illness Cover

Option which allows you to receive a lump sum in case you are diagnosed with a critical illness, you become disabled or are facing a difficult surgery. It is often confused with terminal illness, which is a different thing, when looking at this very important cover option. The most frequent reasons for making a claim on the policy are: different types of cancer, heart attack and heart disease, stroke and Multiple Sclerosis. Moreover, most insurance providers guarantee an automatic cover for your children, even up to the age of 21.

3. Income Protection

Have you ever wondered what your life and financial situation would be like if you were unable to work for few weeks, months or even years?

Income Protection is one of the most important elements of our insurance pack. This option guarantees you a monthly compensation (tax free) which replaces the income lost when you are unable to work due to an accident, illness, injury or any other health issue. Thanks to this option you get a financial security and a regular income even if you are not able to work for a few years.

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There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

4. Home Insurance

When taking out a mortgage, it is required that you have a building insurance. It is also worth considering getting an extra cover for your contents (furniture, equipment, etc.) and for personal belongings used outside of your home. For all home insurance recommendations we use onle one insurer – Legal & General.