Mortgage, protection and equity release advice across East Sussex
If you couldn't work, or weren't here, how would the mortgage and the bills be paid? I'll help you answer that properly and put the right cover in place at a price that makes sense. Protection advice is fee free.
Most families need some combination of these. We'll work out which matter most to you, and how much cover is enough.
Pays a lump sum if you die during the policy term, so the people who rely on you can clear the mortgage or keep up with the bills.
Level cover pays a fixed amount. Decreasing cover reduces over time, often in line with a repayment mortgage, and usually costs less.
Worth knowingAsk me about writing your policy in trust. I'll explain how it works and whether it suits your situation.
Pays a lump sum if you're diagnosed with a specified serious illness that meets the insurer's definition. You can use it however you need, for example to repay debts, adapt your home or move.
Some insurers also make smaller partial payments for less severe conditions, which typically don't reduce your overall cover.
Worth knowingNot every condition is covered and definitions vary between insurers. The most comprehensive policy isn't always the most expensive, which is why I research the detail.
Replaces part of your income if illness or injury stops you working, paying a monthly benefit until you're able to return or the policy ends.
It's often the cover that matters most if you're off work for a long time and still have a mortgage to pay.
Worth knowingI'll look at the sick pay you get from work first, so the cover starts when you actually need it and you don't pay for more than you need.
Buildings and contents insurance to protect the property itself and everything in it.
If you're buying, your lender will usually require buildings insurance to be in place from exchange of contracts.
Worth knowingCheck that the rebuild cost is right. It's not the same as the price you paid for the property.
Buying cover online can look quick. The detail is where advice earns its keep.
Health and lifestyle questions need answering fully and accurately. I'll take you through them so a claim isn't put at risk later.
Where one insurer may exclude a condition or increase the premium, another may not. I compare products from leading providers to find the right fit.
Your mortgage, your sick pay, your workplace benefits and your budget all shape what you need. No more, no less.
Add up your mortgage, debts and the income your family would need for a starting figure.
Yes. There's no fee for protection advice. I'm usually paid commission by the insurer when a policy starts, and I'll explain this before you apply.
It depends on your mortgage, your debts and how much your family would need to live on. The life cover calculator gives a starting point, and I'll help you refine it.
Often, yes. Insurers assess health conditions differently. Where one may exclude a condition or increase the premium, another may not, which is why it's worth comparing properly.
It may help, but workplace cover usually ends if you leave the job and may not cover your mortgage and income needs. I'll take it into account so you only pay for what you actually need.
Book a call and I'll look at what you already have, what you might need and what it would cost. Protection advice is fee free.
