RELAX AND LIVE YOUR LIFE :

If when you die there would be a financial impact to your family. Then yes you should have a life cover.

You can have a life cover for a few years, until your children would be 23 years old if this is the period you want to cover or even longer.

If you want a life insurance that would cover you for more years you can select an insurance which would end when you will be 70 years,  90 years old or there is Whole of life insurance which would pay-out whenever you would die, as long as you would continue paying it while alive.

Income protection insurance can start paying you a monthly benefit when your company’s sick pay will finish.

So if you have company sick pays for 3 months, you can start receiving income protection monthly payments after this period for as long as you would be incapacitated. 

This benefit allows you to recover before you would go back to your own occupation work without to worry about paying your mortgage/ rent or basic financial monthly commitments.

Your new financial advisor would not have access to your old plans and would not be able to cancel them. Only when the new insurance plans have been accepted and are activated, you can cancel your old insurance plans.

This is your responsibility. You can either have a quick call to your previous insurance provider and explain you have found a cheaper/ better value insurance policy and you want to cancel the current one or you can ask your bank to cancel the direct debit.

For most Providers and for insurance products like life and serious illness cover this would not be a problem. As long as you would still pay your insurance monthly premium from a United Kingdom bank account you could receive the benefits you have chosen with a translated in English death certificate or translated in English hospital serious illness diagnosis.

For income protection monthly payments, it might be that some restrictions for some countries will apply. You need to contact me before you move abroad to check if you will need to stop this cover or not.

Yes you can have free cover with many insurance providers who offers this choice when you buy a mortgage. With us there won't be a broker fee and you will have the best price guaranteed in the whole of the market.

Yes if you have a limited company and you are a director and a key person employee.

Then your insurance policies  could form a  part of your business expenses.