It’s true that we can buy so many things online now, but when it comes to something as important as our finances, it pays to go to an expert.
When you go online looking for protection, you may not get a comprehensive fact find done of your personal circumstances to identify your need areas. You may not get personal appropriate advice or a comprehensive solutions plan. You may not get your policies placed into trust if desired.
We would cover these areas and save you a lot of time, effort and hassle. We don’t charge advice fees for this service, and we ensure that you have the appropriate cover for your personal circumstances.
Its important to get this right first time as it would be impossible to consider alternative options later. Find out more about insurance protection products available through our advisers.
Life Insurance provides protection for your loved ones if you die or become terminally ill during your policy term. So, if you want to leave something for your family then life cover is a great place to start. This could pay off the mortgage or any debts you might have. It could be used as an inheritance or to ensure children or grandchildren have access to a financial amount should you die. It would also help to ensure that your loved ones can maintain their living standards after you are gone.
Everybody wants to think that, even if they got a critical illness, they would be able to cope financially. That is why critical illness cover pays you either a tax-free lump sum or monthly income if you are diagnosed with a critical illness covered by your plan. This can be used to cover costs related to your illness, monthly outgoings like rent, mortgage, utilities, or lost income during your recuperation. This allows you to focus on getting well again and not worrying about how to meet your commitments.
How would you cope if you were in an accident, were too ill to work or had a terminal illness (For example, where death is expected within 12 months. A definite diagnosis by the attending consultant and the illness is expected to lead to death within 12 months.)? You’re going through enough without worrying about paying your bills and keeping a roof over your head. Income protection can give you that peace of mind with a regular monthly income until you are able to return to work. It will make life so much easier for you and your loved ones.
Income Protection is specifically designed to cover loss of a proportion of income due to accident or illness. Typically this equates to 60% of your earned income
Having worked for 18 years in the financial services industry I would like to feel I know what I am looking for in a trustworthy and professional financial adviser; especially for company ‘key man’ protection.
From the outset Lorne has shown patience, professionalism and given updates and clear explanations when required.
He anticipates situations early and leaves you feeling that nothing is too much trouble – and it isn’t !
Paul L
May I thank you hugely for your assistance with my elderly client, who had recently been told by her existing mortgage lender that her interested only loan would have to be repaid within 3 months, due to the term expiring and the fact that she was over 75 years of age.
She came to me in a state of anguish at the thought of possibly losing her home.
However, you were able to provide reassurance to her quickly and efficiently enable her to re-mortgage onto a lifetime mortgage product, which will enable her to continue making low repayments and stay living in her home for the rest of her life.
unlike the quite release scheme that she has previously been looking at the equity in her home will be retained for her to pass onto her children, for which she is very grateful.
many thanks again. I will continue to refer clients to you with confidence.
Matt B
Mortgage Advice
A little while ago I decided to get back on the housing ladder and purchase a property. This was not as straight forward as you would think due to the fact I had a minimal deposit due to business issues stemming from the credit crunch. Not to be put off Lorne got to work and secured a mortgage for me with a main stream lender with the minimal of fuss.
Andrew S
Mortgage Advice
A few months ago we decided to move house and asked Lorne if he could advise us on a change of mortgage. He quickly put a plan into action and met with us at our home, to get the information he needed, at our convenience.
P Wilson
Mortgage Advice
Following your personal and professional service, we now have peace of mind and can’t thank you enough for organising everything. We were very impressed and we will be continuing to use More Than Financial in the future. We will also recommend you highly to all of our family and friends.
E Wilson
Protection
