Protection

Many of us will know somebody who has died or has suffered a critical illness which can have devastating effects on those around them.

Using the latest search facilities, 

MME Norfolk will access a panel of leading insurers, making sure you have the right level of protection in place should the unthinkable happen.

Life & Critical Illness Insurance

 

Most people have two main protection needs that can be covered by life insurance (often known as life assurance): paying off large debts like your mortgage, family protection, where you leave behind money for your family to live on after you’ve died. Different types of insurance policies are good for different protection needs..

Critical Illness insurance will pay a specified lump sum upon the diagnosis of a serious illness that is covered in the policy. The purpose of the cover is to provide you with the funds for treatment and recovery, as well as other necessary expenses. The advantage of this cover is that once the payout is given, you are free to spend the money however you wish.

Income Protection

 

Income protection pays out if you’re unable to work due to accident or sickness. Alongside life insurance, income protection is a must-have insurance for most working adults, but only a few of us currently have it.

Imagine the circumstances. through no fault of your own you lose your income because you become unemployed. Or you’re unable to work because of an accident. Your mortgage will still need to be paid, as will other family household outgoings like credit cards, loans, council tax, utility bills and even life cover. So what can you do?

Family Income Benefit

 

Family Income Benefit is an innovative type of life insurance product, which is useful and extremely good value when compared to some other types of life or health insurance.

As with term assurance policies, family income benefit policies provide cover on death if you die during the policy term. But instead of a lump sum, it gives regular set payments (income) for the rest of the term of the contract. Premiums remain level throughout, and if you live beyond the end of the policy there will be no pay out. This means that it is an attractive product for those who would like to ensure that their family will maintain a regular income after their death, rather than a one-off payment, which could potentially be wasted.

Family income benefit is particularly attractive to those who like to know they have a regular monthly income and would rather not have to worry about complex investment decisions.

Buildings & Contents Insurance

 

Home insurance is in essence the ‘purchase of a promise,’ which assumes that, if an unforeseen event happens, you can rely upon the insurer to put the situation back to normal again. But what would happen if you found out that you weren’t covered?

A recent report found that 50% of insurance policyholders were not confident that they had the right cover in place. Are you?

We can help you understand the features of your home insurance and ensure that you have an appropriate level of cover based on your requirements. We can even help you to identify over-insurance, for example, if you have separate mobile phone cover, as this could be covered on your existing home insurance policy.

For buildings and contents insurance we are single tie with Legal & General, one of the UK’s market leaders in General Insurance. We believe that they provide the most comprehensive, affordable and Customer focused products on the market

 

Business Protection

 

Business Protection Insurance provides an all-important safety net for all types of businesses. It is all too common for Businesses to view Business Protection Insurance as an optional extra. It would be a far safer way of trading to consider Business Protection Insurance as part of the business plan from the first day of trading. Businesses all over the UK cease trading for all sorts of reasons but many of which could be prevented had they had some form of Business Protection Insurance in place.

Areas covered include Key person insurance – also known as keyman insurance to provide a financial safety net to help ensure business continuity and protect profits, director/shareholder/ partnership protection to ensure you keep control of your business, business loan protection to ensure repayment of any business loans, sole trader protection to protect your business and those that depend on you, relevant life protection to provide death in service benefit to employees on an individual basis.

Contact Us

 

norfolk@titaniumfs.co.uk

Tel: 01953 884120

9am-7pm Mon-Fri

View Our Privacy Policy

Address

 

Mortgages Made Easy Norfolk

Cannacie, Watton Road

Little Cressingham, Norfolk

IP25 6ND

 

An initial consultation is always FREE

Thereafter, depending on the work involved in securing your mortgage, we may charge a fee.  Please contact for further details. 

We do not charge a fee for advice on the following :

Life Assurance, Critical Illness Cover, Income Protection, ASU, Buildings and Contents 

 

©Mortgages Made Easy Norfolk and MME Norfolk are trading styles of Titanium Financial Services Limited, who is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited are entered on the FCA Register http://www.fca.org.uk/register under reference 440718.

Titanium Financial Services Limited. Registered in England and Wales, under no. 09474678. Registered office address - 167 London Road, Leicester, Leicestershire, United Kingdom, LE2 1EG.

The Financial Conduct Authority does not regulate on Buy to Let and Commercial mortgages.

The guidance contained within the Financial Associates website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.