Author Archives: Phil

Life Insurance and Critical Illness Insurance

If you are looking for a quote or to compare life insurance and critical illness insurance you can compare these policies online with an immediate quotation and the opportunity to amend or change the cover levels to suit your needs … Continue reading

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Hi – we would like to take out insurance to cover my husband

Q: Hi – we would like to take out insurance to cover my husband in the event of redundancy. I understand we can only cover 50% of his wages with the income protection insurance, can we in addition take out a mortgage … Continue reading

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Please clarify the ‘120 day initial exclusion period for unemployment’

Q: Please clarify the ‘120 day initial exclusion period for unemployment’. Does this mean if any claim is made you will not pay out until 120 days have lapsed. Or does it mean you cannot make a claim for the … Continue reading

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I am going on a snow sports holiday and although I already have travel insurance it doesn’t cover my income, should I injure myself

Q: I am going on a snow sports holiday and although I already have travel insurance it doesn’t cover my income, should I injure myself. It only covers my medical expenses. Can I apply for income payment protection insurance? A: … Continue reading

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I am thinking of replacing my payment protection insurance against a loan and a couple of credit cards with income protection insurance cover from yourselves.

Q: I am thinking of replacing my payment protection insurance against a loan and a couple of credit cards with income protection insurance cover from yourselves. I just have a couple of questions: 1) I am planning on moving to … Continue reading

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I am about to Lease a new Pick up Truck from NISSAN for 3yrs

Q: I am about to Lease a new Pick up Truck from NISSAN for 3yrs. I want payment protection insurance cover to protect my monthly payment £600.00. Do you provide payment protection insurance for this? A: You should use the loan … Continue reading

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Hi, I am interested in mortgage payment protection

Q: Hi, I am interested in mortgage payment protection and would like to know: 1. Are your premiums likely to rise in the next 12 months? 2. Can the date when the cover starts be selected? A: The policy that we provide … Continue reading

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I would like to cover 2 mortgages. One is £1000 (new) and the other is £800 (existing).

Q: I would like to cover 2 mortgages. One is £1000 (new) and the other is £800 (existing). Is it possible to cover both mortgages under one unemployment insusurance policy? If so, what do I enter when asked new or existing … Continue reading

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The Company I work for made an announcement

Q: The Company I work for made an announcement that there will be 12 staff redundancies. I have been told by my Director that I am unaffected by these redundancies and that neither myself or my staff will be part … Continue reading

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I would like to enquire about rental income protection insurance

Q: I would like to enquire about rental income protection insurance. I will be a landlord and would like a quote to cover periods if tenants could not pay due to job loss. A: Thank you for your email. We … Continue reading

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