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We know insurance isn’t an easy subject to think about. After all, life is for living, not worrying about what’s around the corner.
We’re insurance specialists, and our job is to do the worrying for you and help ensure that you’ve got the right cover in place to give you peace of mind that you and your home are protected against whatever is around the corner.
Whether it’s home insurance, life cover, income protection or critical illness cover, we can search to find the best policy for your needs.
Buildings insurance covers the cost of repairing damage to the structure of your property. If you have a mortgage, it will only be approved if you agree to have suitable building insurance.
Covering your home contents and personal possessions is also a good idea. A Home Insurance policy can be arranged to cover your Building and Contents for fire, theft, flood and accidental damage.
Life insurance can give you and your dependents the financial stability needed to cope with the money worries that a terminal illness diagnosis and death can bring.
This type of cover gives protection that could help pay off the mortgage on your home or any debts you might have, minimising the financial impact your death could have on your loved ones during a difficult time.
Critical Illness Cover pays out a lump sum if you are diagnosed with a specified illness or total permanent disability. So, all you need to do is focus on getting better.
The benefit could be used to pay off your mortgage, or alternatively, it could pay for medical expenses, childcare costs, and household bills or help maintain your standard of living if you’re forced to take time off work to recover.
Have you ever thought about what might happen to you or your loved ones if you couldn’t work due to a long-term illness or injury resulting in a loss of earnings? How would you cover your bills or childcare costs?
Having a backup plan in place can reduce some of the financial stress of the situation.
An Income Protection plan can protect your income as well as your lifestyle, so you can rest a bit easier, safe in the knowledge you’ll still get an income if you can’t work because of illness, injury or a terminal illness.
Buying a home is a big commitment, so arranging with your adviser for the right insurance coverage for you and your family is essential.
That way, you can help ensure your mortgage will continue to be paid should the worst happen.
If you’re remortgaging or moving home, it’s a good time to review your existing insurance arrangements to ensure you have sufficient cover for you and your family to ensure your mortgage will continue to be paid, should the worst happen.
We will charge no fee but may receive a commission from the insurer.
We offer products from a carefully selected number of insurers to provide a fair analysis of the Income Protection, Critical Illness Insurance and Life Assurance market.
Please ask if you wish to be given a list of those insurers.
As will all insurance policies, conditions and exclusions will apply.
Talk to an adviser to discuss your individual needs and get the right cover for you and your family Just send us your phone number, email address, and a few words about your enquiry and we’ll get an Insurance expert to call you back as soon as possible
We are available Monday to Saturday, for a no-obligation consultation.
Our service is free until you receive a fully approved mortgage offer. Then there may be a charge which, depending on your circumstances, will typically be £199 on receipt of an approved mortgage offer and no more than £100 when the mortgage starts. Your home may be repossessed if you do not keep up repayments on your mortgage. Spolton Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Spolton Mortgages is a trading name of Spolton Ltd. Registered Office: Spolton Ltd, 72 Finch Drive, Sleaford, United Kingdom, NG34 7US. Registered Company Number: 10903440 Registered in England & Wales.