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Insurance is designed to pay out when an unpredictable event causes a loss. Everybody needs insurance to safeguard against such unpredictable events. If an event like this occurs, then it is possible that dependents or even the insured person could suffer or be unable to bear the loss.
In some cases, the state provides insurance by, for example, paying incapacity benefit if you can't work due to illness or passing bereavement benefits to a widowed husband or wife. However, state benefits are low and there are a number of tests that must be passed to be able to qualify. Often an employer may provide a life assurance scheme through work, but you always check whether this cover is appropriate for your needs. Employer benefits might even include income protection insurance and/or private medical insurance.
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Pure protection
We have access to a purpose built pure protection panel that gives us the ability to deal with some of the leading providers in today's market. Product comparisons are available to us via The Exchange, a system that is integrated into our mortgage sourcing system, to enable an efficient and streamlined business administration process for our clients. Further information on the product providers available can be found below.
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These are the pure protection products available: -
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General Insurance
We have access to a purpose built general insurance panel that gives us the ability to deal with some of the leading providers in today's market. Further information on the product providers available can be found below.
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These are the general insurance products available: -
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Bright Grey
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Bright Grey is a stand alone business within the Royal london Group which is one of Britains longest established insurers. Bright Grey offer a totally new approach to financial protection.
Key features
. Mortgage Guarantee - To pay off your mortgage regardless of interest rate changes. An option on decreasing lump sum covers.
. Menu Product - Designed to maximise advice opportunities. You can add a little cover to suit your needs and budget-whenever the time is right and you get the benefit of one provider, one application and one plan charge. |
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Friends Provident
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Friends Provident is one of the UK's leading financial services groups with a history dating back to 1832. Friends Provident markets a broadly based range of life and pensions products via intermediaries and through direct marketing.
Friends Provident won a Financial Adviser Five Star Service Award in 2004.
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Norwich Union
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Norwich Union is an Aviva company. The Aviva brand name was launched in July 2002 and the group was formed by the merger of CGU and Norwich Union in 2000.
Aviva plc is one of the leading providers of life and pensions products to Europe and has substantial businesses elsewhere around the world. The group's life and pensions, retail fund management and general insurance businesses in the UK operate under the Norwich Union brand.
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Scottish Provident
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Scottish Provident is one of the leading providers of life, critical illness, income protection and unemployment insurance.
Recognised by the industry with many awards, Scottish Provident has a wealth of experience and expertise and a flexible product range. Its 'menu of benefits' approach offers true flexibility to intermediaries and their clients. Self Assurance - its flagship product - was the first 'menu of benefits' product on the market, and it offers flexible protection to suit changing needs.
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Scottish Widows
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Scottish Widows was founded in 1815 in Edinburgh as Scotland's first mutual life office. Its product range includes ordinary long term insurance (such as life assurance, pensions, annuities and permanent health insurance) and savings and investment products.
Scottish Widows has one of the most recognised brands in the life, pensions and investment industry.
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Paymentshield
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Paymentshield was founded in 1992 and is one of the UK's largest independent providers of mortgage related products and insurance services to the intermediary sector.
The company aims to provide simple, yet comprehensive general insurance products, and to retain its excellent reputation for first class customer service and efficient policy servicing.
Buildings and Contents Insurance
. Comprehensive cover
. Bedroom rated - easy to quote at point of sale
. First three months cover free of charge
. Automatic cover up to £300k on buildings and £40k on contents
. Worldwide personal possessions cover available
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Need advice ? Click here to ask the expert! |
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