Insurance
We no longer provide insurance advice directly. Instead, we refer clients who need protection cover to Protection Matters — a specialist protection advice firm.
Why we refer you to Protection Matters:
Protection Matters are specialists in life insurance, critical illness cover, income protection and related protection products.
Their advisers take the time to understand your personal circumstances — including things like your health, employment, income and financial commitments — to recommend cover that genuinely meets your needs.
Protection Matters not charge you for their advice.
How to get started:
If you’d like us to refer you to Protection Matters for a free protection review:
Simply contact us (by phone or email) with your request.
With your consent, we’ll pass your details to Protection Matters, who will contact you directly to discuss your protection needs.
We believe this referral setup ensures that whenever you or your family need protection cover — whether for a mortgage, income security or peace of mind — you receive specialist, unbiased advice tailored to you.
Life Insurance Advice
In simple terms, life insurance provides a sum of money on death. This money is then used to ensure your family is financially provided for; like it would have been had you still been around. This money can be used to repay a mortgage, repay debts, cover rental payments and also provide an ongoing income to your partner so he or she can pay the regular bills and child care costs.
Critical Illness Cover Advice
This cover provides a sum of money should you be diagnosed with a critical illness, such as cancer. Suffering from a critical illness often means a long period of time off work; maybe never being able to return to work again. Receiving a sum of money in these circumstances can help to continue to pay the bills, repay your mortgage, and cover rental expenses and medical costs.
Income Protection Insurance Advice
If you become sick or have an accident and are unable to work income protection provides a Tax Free income. This allows you to pay your bills, mortgage, rent, childcare and continue to live the lifestyle you enjoy. There is no defined list of illnesses, which is what makes this type of insurance different to a Critical Illness policy.
LATEST INSIGHTS FROM THE EXPERT insurance ADVISORS AT BILL SOMERS…
Critical illness cover (or CIC) is a type of insurance that is often sold alongside life insurance. It is designed to provide you and your family with financial stability if one of you were to fall seriously ill.
Disclaimer - Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.