Some answers don’t need an article
Is your service free?
In short no, our initial advice is free but if you go ahead with a policy we recommend, we do get paid commission, but this is paid by the insurance company. The commission is the same no matter which insurer you go to, this keeps us impartial.
However we do charge a fee if you want help to arrange a mortgage, this fee is only paid on completion of the new mortgage, not up front.
What Happens If My Insurance Company Can’t Pay My Claim?
Any insurance policies taken out in the UK, are covered by the Financial Compensation Scheme – this protects you if your insurance company cannot afford to pay the claim. See more about this here – www.fscs.org.uk/what-we-cover/insurance/
Do you look at every provider in the UK?
For Mortgages we work from and offer advice from a panel of lenders that represent the whole of the market.
For Protection Insurance (Life Insurance, Critical Illness Cover and Income Protection) we work from and offer advice from a panel of protection providers that represent the whole of market.
Why Use Us?
We care passionately about looking after the ‘little guy’, this means talking to you like an equal, cutting out the jargon and making the confusing simple and the simple simpler.
How do we do this? by speaking to you and asking questions about your concerns, what confuses you, and what you need from us in order to make sure we fully UNDERSTAND your situation before we recommend a product.
We’re qualified advisers who have years of experience, and have protected thousands of families meaning there isn’t a question, query or problem we haven’t heard.
So, please get in touch and lets see what we can do for you.