Family & Lifestyle

Family Protection

Income Protection
You can’t predict everything that the future holds, so it may seem like a difficult task to plan for the unexpected. In the event of a death, illness or redundancy, it’s wise to be prepared so the financial impact on your family is as small as possible. You don’t have to plan for every eventuality, but you should consider taking steps to ensure that whatever the future holds, your family’s financial needs are taken care of.

Your Children
Whether they are still young, or have already flown the nest, your children’s future is likely to be as important and precious to you as your own. University, buying a first home, supporting children of their own; all of these things could be a huge financial hurdle, and you may be looking for ways to help your children overcome them.

Your Job
Most of us know someone who has been affected by redundancy, and will be aware of the enormous emotional and financial impact it could have. Sadly, redundancy is now all too common, so it’s important to have a contingency plan in the event of losing your income. With careful pre and post redundancy planning, the knock-on effects could be minimized, helping you and your dependents through what could be a difficult period.

Your Health

In the event of long-term illness or disability, the last thing you will want to be concerned about is paying the bills. Adapting to a new level of income could be traumatic, but you could protect yourself and your loved ones from financial hardship with the right contingency plan or insurance. Equally, no-one likes to think about death, but if you have dependents, how could you be sure their needs will be taken care of if the unthinkable happens? Building adequate provision into your financial plan could give you, and your loved ones, complete peace of mind.

Your Legacy

It could be a comforting thought to know you have made adequate provision for the loved ones you leave behind, but increasingly demanding inheritance tax laws, or a poorly-defined Will, could mean your legacy is worth less than you’d hoped. The legislation that governs passing on your estate to your chosen beneficiaries requires you to plan well in advance. Since none of us knows when we shall die, this means making the necessary provisions now. Tax could be complicated and may feel daunting if you’re not familiar with the current legislation. By taking advantage of our expertise in all areas, you could help your family pay much less inheritance tax – and in some cases, none at all. Taking professional advice when drawing up or reviewing your Will could help you avoid any potential legal pitfalls or ambiguity.

Critical Illness Cover

No one likes to think about suffering from a Critical Illness, but one thing is for sure, if you were to become critically ill, the last thing you will want to worry about is your finances.

Critical Illness Cover is a very popular form of protection insurance, it is designed to provide you with peace of mind should you be unfortunate enough to suffer from one of the designated illnesses in your plan.

The actual illnesses that are covered in your plan are detailed in the conditions of each individual company. It is very important to ensure that you have the correct plan to suit your needs, as all the critical illness quotes you can buy are different. The better plans can cover up to 45 different illnesses.

Critical Illness Insurance typically pays out a lump sum if you survive a specified critical illness, such as some forms of Cancer, a Stroke, Multiple-Sclerosis, Heart Attack, Kidney Failure, Blindness, Deafness and many more. You can use the payout to pay off your mortgage, medical expenses or even go on holiday – it’s entirely up to you! In addition, your children are usually covered under the policy Free of Charge.

You can choose as much or as little Critical Illness Cover as you need, and our advisers will help tailor a quote to fit within your budget. The cover can be relatively cheap, and this can also include life insurance as well, so it can be cost effective offering the best value for money.

Common Features of Critical Illness Insurance

Critical Illness Insurance varies slightly from policy to policy, but there are a few common features with most critical illness plans. These include:

Critical Illness Insurance is a popular addition to many insurance policies in the UK today. This coverage provides you and your family with peace of mind in the event you become seriously ill or incapacitated.


Financial Expert have some of best Critical Illness Cover UK advisers who make sure that you -the customer receive best and competitive Critical Illness Cover solutions.


Call us today and speak to one of our advisers who are always available to help or simply fill out the form to find what best suits your needs.

Serious Illness Cover

While traditional critical illness policies cover an average of 40 conditions, Serious Illness covers beetween 100 and 161 conditions. So you’ll be covered for serious illnesses and partial disabilities, not just critical ones. More cover at an earlier stage, so you get paid sooner.
The amount Serious Illness pay to you is based on the severity of the illnessand its impact on your lifestyle. This means this policy can make a payout to you at an earlier stage of your illness, even if it’s not life-threatening.
If you don’t claim your full sum assured your remaining cover will continue, allowing you to make further claims. So if your illness progresses or you’re diagnosed with a new illness you could receive another payout. Traditional critical illness policies pay out once and then end, leaving you unprotected.

Private Medical Insurance

You insure your car, your home, your valuables – isn’t your health the most important asset of your life?
Our advisor will find best and cheapest possible quote from all the Private Medical Insurance plans that will
Health Insurance (also known as Private Medical Insurance) provides a reassurance that you’ll get the treatment you need, when you need it by the best medical specialist and at the best hospitals.

Private Medical Insurance (PMI) will cover the cost of surgery, accommodation and nursing for treatment and any medical specialists at a private hospital. (In some cases maybe in a private ward of an NHS hospital).
Also the NHS system can have a long waiting list for medical treatments that may be required. When you have health insurance it is one less thing to worry about and means you can be confident that you and your loved ones will receive the medical attention as quickly as possible, without the concern of NHS waiting lists.
Financial Expert Mortgages can help find you the best private medical insurance quotes. Health insurance was traditionally a luxury item, just for the wealthy this is no longer the case. Our adviser can help to find you the best health insurance plan to suit your needs, budget and most importantly which is right for you.

Our advisers will make sure that all our clients receive the best value private medical insurance quotes .Call us today and speak to one of our advisers who are always available to help.

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