Insurance

FinancialProtectionInsurance

We offer products from a range of insurers for non-investment insurance contracts covering pure protection such as term assurance, income protection, critical illness and buildings and contents insurance. You may ask us for a list of the insurers we offer insurance from.

We are not tied to any insurer and will deal with any insurer that will deal with us.

We will provide you with a personal and financial review before making our recommendation to you.

Should you accept our recommendation we will arrange the implementation of this for you. The reasons for our recommendation will also be provided to you in a written report.

No fee. We do not charge a fee for our General Insurance and Protection services as we will normally receive a commission from the product provider.

Alternatively, if you prefer us not to receive a commission we can offer you a fixed fee of £750 and any ‘commission’ will be rebated by the provider to reduce your premiums. In the unusual event that an insurer does not offer commission, this fixed fee would apply. You would be advised of this before proceeding with our services.

Insurers will pay the commission directly to us.

If a fixed fee is payable payment can be made by;

Important Info: Mortgages

Please remember your home or property may be repossessed if you do not keep up repayments on your mortgage.

We give clients the option to pay for mortgage advice by fee rather than commission.

The FCA does not regulate all Buy to Let mortgages.

Important Info: Regulations

The Financial Conduct Authority does not regulate, Will Writing, Buy to Let Mortgages, Tax Advice and Estate Planning.

Tax rules can change at any time.

Important Info: Investments

Past performance is not a reliable indicator of future results.

The value of investments, and the income from them, may fall or rise.

Your capital at risk. Investments can fluctuate in value and investors may not get the amount back they invest.