Protection

Protection

We offer independent advice on insurances:

  • Life assurance
  • Accident, sickness and unemployment cover
  • Income protection/permanent health insurance (PHI)
  • Critical illness cover
  • Serious illness cover
  • Private medical/health insurance

The vast majority of protection products are rate driven. A significant part of our advice involves reviewing, and where necessary, recommending the replacement of poor value contracts. Usually the reasons for this are:

  • We can often obtain a lower premium for the same level of cover, or enhanced benefits for the same cost.
  • The current policy may be old, expensive and no longer appropriate to the clients’ needs, especially if it was taken out in connection with a mortgage. Mortgage products can change, protection should be reviewed as well.
  • For critical illness cover the number of conditions covered may not be as comprehensive as they are today, many providers offer a wide range of illnesses which can be covered.
  • Most critical illness policies pay the full sum assured when certain conditions are met, other will allow partial payments when the condition is present, but not as bad as it could be i.e. low grade cancer.

Templegate covers the cost of the initial consultation.

So what next?

The only thing left for you to do is pick up the phone and call Templegate on 01264 300125 or 0345 833 8837, email info@templegatefinancial.co.uk or complete our enquiry form.

 

Templegate Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd, which is authorised and regulated by the Financial Conduct Authority. 2plan wealth management Ltd is entered on the Financial Services Register under reference 461598. The FCA do not regulate will writing services or some forms of mortgages and Inheritance Tax planning. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. Templegate Financial Planning Ltd. Registered Office: Winton House, Winton Square, Basingstoke, Hampshire, RG21 8EN Registered in England No. 04416499.