Life’s Unpredictable Be Protected
Insurance & Protection, How To Decide…
We must make sensible choices to mitigate the risks that surround us – and although some things are beyond our control, certain financial safeguards can be made quite easily. For most curveballs that life can throw at you, there is an insurance plan that can financially help you and your family.
The Different Kinds Of Protection,
Do you need them or are they just an extra expense?
The answer to the first question is really simple. It is a very firm, ‘Yes’. You need protection insurance because it is a very dangerous gamble to take if you don’t. Sorry if that is a little blunt but there is no point in beating around the bush on this subject.
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We offer advice on a range of Insurance products from Life Insurance, Critical Care Protection, Income Protection, Home Insurance, Family Income Benefit and more.
Life Cover/ Life Insurance
Insurance that covers you in the event of a death, the amount of cover needed will vary depending on what you want to cover & the type of policy.
The level of cover required will depend on personal circumstances and will usually be to cover one or more of the following in the event of death;
- Mortgage or rent
- Living & Household expenses
- Outstanding Debts
- Funeral Expenses
- Childcare
Life insurance is worth considering as soon as you have any large financial commitments such as a mortgage, as the earlier you start to pay for life insurance the lower the monthly payments could be.
There are many companies online offering cheap policies where the level of cover is limited and is most likely not going to pay out due to policy constraints, for example, you must pay 12 months before a claim can be made or only three conditions are covered (these are called key 3 products).
There are three main types of Life Insurance policy:
1. Level term Life Insurance
2. Decreasing term Life Insurance
3. Increasing Life Insurance
There are many pro’s & cons when it comes to Life insurance policies, if you have any questions please call our expert team of advisers today and we can guide you to the right options for your situation.
Critical Illness Cover
A form of insurance that is designed to pay out a tax-free lump sum in the event you are diagnosed with one of the insured critical illnesses set out by your insurer. This money can then be used as you see fit; ideally towards paying off a portion of your mortgage, medical treatments, clearing debts or adapting your home to suit your needs.
Critical illness can also run alongside life insurance, usually at a discounted cost. This means the provider will pay out on the first event of passing away or becoming critically ill.
To find out what can be covered and the options available to you contact us today.
Other policies provide payment on a monthly basis which may better suit your circumstance, as to lose the income of a main or the sole earner of a household could result in financial hardship.
To discuss the options available to you please contact our team
Buildings and Contents / Home Insurance
Building insurance is essential and a requirement by mortgage lenders which protects the money invested in your property whether it be your residential home, second home or buy to let property. Contents insurance will protect your valuables from accidental damage or theft.
If you need either type of policy, or both, our brokers can find you a deal which will protect your most valued possessions and also ensure that you’re covered in the event of a worst-case-scenario. That means you can enjoy living in your property, knowing it’s properly protected.
To discuss the options available to you please contact our team
You wouldn’t insure your car 3rd party? so why not insure your life fully comp, speak to one of our friendly expert life insurance advisers today to discuss your requirements for covering you and your family.
Although it’s not a legal requirement, many mortgage providers like to see life insurance in place. Aside from matters of property, it’s a good idea to have a life insurance policy to protect your family, should the worst happen.
Finding the right life insurance policy can be complicated and if you take out the wrong policy, you could be stuck with hefty cancellation fees, or worse, be ineligible for a pay out when your family needs it most.
We can take the headache out of life insurance for you by using our expertise to make sure your policy is affordable and suitable for your needs.
It’s a harsh way to look at it, but we all want the best for our loved ones and the correct policy can mean the difference between comfortably staying in the family home or having to sell it or fall into a financial crisis.
So, getting the correct cover is essential for financial peace of mind, there are many things to consider so why not talk to one of our expert life insurance advisors today to discuss your requirements. Our advice is free of charge and we are completely independent, meaning we can search the whole market to source you cover that to suits your needs and budget.
To discuss the options available to you please contact our team
Comparison sites can only fit your application into an off the shelf product, our advisors will take the time to get to understand you and your requirements and advise you on the best options out there.
Being independent insurance brokers we often have access to deals from the market providers that only brokers get access to, these can be cheaper than going direct, why not get in touch to see if we can help?
To discuss the options available to you please contact our team
Premier Financial Group is one of Norfolk’s leading independent financial services providers. Being independent means that we’re not tied to any one provider.
From life insurance to insuring your home, making sure you have the right type of policy and the best level of cover is absolutely essential. There are plenty of comparison sites to choose from, but none of these can give the personalised service that we can offer. As an independent financial group, we will search from across the market to provide you with the best policy which gives you the exact cover that you need.
- We aim to provide you with the best service and offer peace of mind that your needs are protected.
- We can access the highest five star rated products, to provide the best levels of insurance cover
- Don’t just take our word for it, with over 255 5-star Google reviews.
- We are independent and have access to the whole the market
- Norwich Based, No Call Centres
Your advisor will be your main point of contact for any questions you have and will contact you directly about renewals when the time is right.
There are many pro’s & cons when it comes to Life insurance policies, if you have any questions please call our expert team of advisers today and we can guide you to the right options for your situation.
To discuss the options available to you please contact our team on 01603 750004 or email