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Protection
What's It
All About
For insurance business we offer products from a choice of insurers.
Importance of
Protection
While protection is an additional expense, the priceless peace of mind it offers justifies the cost.
It is advisable to maintain these covers for the following reasons:
Safety Net: Functions as a financial safeguard for your loved ones during challenging times.
Financial Security: Ensures the fulfilment of financial obligations in the face of unexpected events.
Risk Mitigation: Grants security amidst life’s uncertainties for you and your family.
Importance of
Protection
While protection is an additional expense, the priceless peace of mind it offers justifies the cost.
It is advisable to maintain these covers for the following reasons:
Safety Net: Functions as a financial safeguard for your loved ones during challenging times.
Financial Security: Ensures the fulfilment of financial obligations in the face of unexpected events.
Risk Mitigation: Grants security amidst life’s uncertainties for you and your family.
Life
Insurance
Purpose: Provides a lump sum payment to your beneficiaries in the event of your death.
Life insurance serves as a financial safeguard, providing a lump sum payout to beneficiaries upon the policyholder’s death or diagnosis of less than 12 months to live. Two main types, level and decreasing, cater to distinct needs.
A level life insurance policy maintains a constant death benefit, ideal for consistent financial support for dependents or covering fixed debts like mortgages. For instance, a family might opt for a level policy to ensure a stable financial foundation for their loved ones after they are gone.
Decreasing life insurance policies feature a diminishing death benefit over time, aligning with specific financial obligations that decrease, such as a mortgage or long-term loans.
Homeowners may choose a decreasing policy to match their mortgage balance, allowing them to maximise their coverage without paying for unnecessary protection
Critical
Illness
Purpose: Offers a lump sum pay-out upon diagnosis of a critical illness covered by the policy.
Usage: Eases financial strain during a critical illness, covering medical expenses, lifestyle adjustments, or providing financial support during recovery.
Critical Illness insurance offers a lump sum payout upon the diagnosis of a qualifying medical condition. This coverage aims to alleviate the financial burden associated with medical expenses and lifestyle adjustments during a critical health event.
Similar to life insurance, there are two primary types: level and decreasing. A level critical illness policy provides a consistent payout, ensuring financial stability during a challenging period.
Families may choose this type to cover ongoing expenses or medical costs, offering a reliable foundation during times of health crisis.
Critical
Illness
Purpose: Offers a lump sum pay-out upon diagnosis of a critical illness covered by the policy.
Usage: Eases financial strain during a critical illness, covering medical expenses, lifestyle adjustments, or providing financial support during recovery.
Critical Illness insurance offers a lump sum payout upon the diagnosis of a qualifying medical condition. This coverage aims to alleviate the financial burden associated with medical expenses and lifestyle adjustments during a critical health event.
Similar to life insurance, there are two primary types: level and decreasing. A level critical illness policy provides a consistent payout, ensuring financial stability during a challenging period.
Families may choose this type to cover ongoing expenses or medical costs, offering a reliable foundation during times of health crises.
Family Income
Benefit
Purpose: Pays out a regular income to your family if you pass away during the policy term.
Usage: Ensures a steady stream of income for your dependents, helping them cover living expenses, education costs, or any other financial obligations.
Family Income Benefit gives a regular income stream upon the policyholder’s death. This policy proves invaluable for those looking to bridge the gap left by the deceased’s lost income, ensuring the ongoing financial well-being of the family.
Similar to life insurance, the structure of this coverage is adaptable, allowing families to customise it to their unique needs. For instance, a family might select a consistent-income Family Income Benefit policy, providing a dependable financial foundation for their loved ones in the event of an unforeseen tragedy.
Income
Protection
Purpose: Replaces a portion of your income if you’re unable to work due to illness or injury.
Usage: Safeguards your financial stability during periods of incapacity, covering day-to-day expenses, bills, and maintaining your standard of living.
Income Protection insurance serves as a financial lifeline during periods of illness or injury, compensating for the policyholder’s inability to work. This insurance offers a regular income replacement, aiding in the sustenance of essential living expenses.
Like life insurance, Income Protection policies offer flexibility in their structuring. A stable income replacement policy ensures financial security, while a policy accommodating reducing financial obligations aligns with decreasing mortgages or other commitments.
Individuals opt for Income Protection to shield themselves from income loss during unforeseen health challenges, enabling them to prioritise recovery without enduring financial strain.
Income
Protection
Purpose: Replaces a portion of your income if you’re unable to work due to illness or injury.
Usage: Safeguards your financial stability during periods of incapacity, covering day-to-day expenses, bills, and maintaining your standard of living.
Income Protection insurance serves as a financial lifeline during periods of illness or injury, compensating for the policyholder’s inability to work. This insurance offers a regular income replacement, aiding in the sustenance of essential living expenses.
Like life insurance, Income Protection policies offer flexibility in their structuring. A stable income replacement policy ensures financial security, while a policy accommodating reducing financial obligations aligns with decreasing mortgages or other commitments.
Individuals opt for Income Protection to shield themselves from income loss during unforeseen health challenges, enabling them to prioritise recovery without enduring financial strain.
Buildings &
Contents
Purpose: Protects your property and belongings against damage, theft, or loss.
Usage: Offers financial assistance to repair or replace your home and possessions in case of unexpected events such as fire, flooding, or burglary.
Buildings and Contents Cover is like a big shield for homeowners, keeping their home and belongings safe. It has two important parts: buildings insurance, which protects the structure of the home, and contents insurance, which covers personal belongings inside the house.
Policies can be built to suit budget and demands. They can usually cover at least £1m for buildings cover and £75,000 for contents cover. In addition Home Emergency cover and legal cover can be added at an additional cost.
In any case, if you are having a mortgage on your home, the lender will insist on buildings cover as an absolute minimum.
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The Legal Bit...
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
*Bridging, Will Writing, Equity Release & Conveyancing are all provided through our network of approved business partners.
Charlie Bridges Mortgages & Protection is a trading name of Charlie Bridges Mortgages & Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Charlie Bridges Mortgages & Protection Ltd. Registered Office Address: 16 Hermes Way, Sleaford, England, NG34 7WH. Registered in England Number: 11888979.
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