Private Health Insurance

You insure your car, your home, and your valuables - isn’t your health the most important asset of your life?

Health insurance (also known as medical insurance) provides a reassurance that you’ll get the treatment you need, when you need it by the best medical specialist and at the best hospitals.

Private health insurance will cover the cost of surgery, accommodation and nursing for treatment and any medical specialists at a private hospital. (In some cases maybe in a private ward of an NHS hospital). Also the NHS system has an unacceptably long waiting list for medical treatments. When you have health insurance it is one less thing to worry about and means you can be confident that you and your loved ones will receive the medical attention as quickly as possible, without the concern of NHS waiting lists.

Health insurance was traditionally a luxury item, just for the wealthy – that’s no longer the case. Watts Mortgage & Financial Services can help to find you the best health insurance plan to suit your needs, budget and most importantly which is right for you. We have access to UK insurers, like Bupa, Standard Life Healthcare, and Norwich Union to name a few.

So for a no obligation quote, simply contact one of team of Specialists on 01270 620555, or email us at .(JavaScript must be enabled to view this email address) and one of our team will call you back directly.

Buildings and Contents

Your home is probably the largest single financial commitment you will make in your lifetime, so protecting your home against loss,damage, accident and theft is vitally important.

Unfortunately, we all live in a world where accidents and thefts do happen. From floods and fires, to burglary and vandalism, there are risks to your possessions and your home that can cost thousands unless you are covered with a suitable building and contents insurance policy. Building and contents insurance can be taken out either as combined cover, or separately. Different providers offer different benefits, but most will cover you for such things as fire, theft, flood or damage.

So if you would like a quote for any of the following types on insurance, we can help:

• Building and Contents Insurance
• Buy to Let Property Insurance
• Self Build Project Insurance

Simply contact us on 01270 620555 or email us at .(JavaScript must be enabled to view this email address) and one of team will be on hand to discuss the options available to you from the range of insurers we deal with.

For home insurance we offer products from a selected panel.

Accident, Sickness and Unemployment Cover

Mortgage protection, such as accident, sickness and unemployment cover, can give you the peace of mind of knowing that in the event of redundancy or illness your mortgage payments will be made and your home will be safe.

Here at Watts Mortgage & Financial Services we aim to find you the best value accident, sickness and unemployment cover with impartial advice you can bank on. Our free service can save you time, hassle and money when looking for accident, sickness, and unemployment cover.

Nobody can predict what will happen in the future. That’s why taking out a suitable mortgage protection policy can give you the security of knowing that if the unexpected happens, you are prepared for it. Most standard mortgages do not have any protection insurance included, so it’s important to decide what kind of separate coverage you will need. Accident, sickness and unemployment cover insures you against changes in your circumstances due to redundancy, disability, or illness. Usually, these payments are made after 30 consecutive days of non-working, up to a maximum of 12-24 months (dependent upon provider).

So ask yourselves the question, could you manage on £79.15 a week*

This is the current level of Statutory Sick Pay

So interested in protecting your income, then give one of our Team of experts a call on 01270 620555 or email us at .(JavaScript must be enabled to view this email address)

For accident, sickness and unemployment cover we offer products from a selected panel

Income Protection

Protecting your future is important and Income Protection can protect your income and make sure that money is there when you need it most. It can provide you with a regular income if you are unable to work due to an accident or illness, whether that be shorter or long term illness. Listed below are just some of the benefits that Income Protection policies can offer to you in today’s marketplace and being whole of market advisers we can make sure that you get the best policy for your circumstances:

• Regular payments whilst you remain incapacitated
• Helps you to maintain your standard of living
• You can insure up to a maximum of 60% of gross earned income (subject to providers criteria)
• Guaranteed and reviewable premium options available
• Choose the level of income protection cover you need - Level or indexed linked
  Available until you are 65 (depending on your occupation)
• Choose your deferred period available from 1 day, 4 weeks, 13, 26 or 52 weeks

So if you feel that protecting your income is important to you, then simply call us today on 01270 620555 or email us at .(JavaScript must be enabled to view this email address) and one of our Team of Advisers will contact you and guide you through the best way to make sure you are fully protected.

Life and Critical Illness Assurance

With advances in medical care more and more people are now surviving illnesses once thought to be fatal. Many people will go on to lead a relatively normal life, but they may not enjoy the same mobility or good health that they once did. Often big changes have to be made and this can affect their ability to earn the salary they did before

Critical Illness Cover provides you with a lump sum or a monthly income on the diagnosis of one of the list of illnesses covered by the policy, making it easier to cope financially when you need to concentrate on getting well. Critical Illness Cover can be taken out on its own or alternatively with life cover included. Did you know:

Every two minutes someone is diagnosed with cancer in the UK.

It goes without saying that the choices you make will depend on your own particular circumstances. You can choose to have Critical Illness Cover and Life or Critical Illness Cover paid in any of the following ways:

• A level lump sum
• An increasing lump sum
• A decreasing lump sum
• A level monthly income
• An increasing monthly income

And you can choose this cover for a single life or for joint lives. So want to know more about protection then simply gives us a ring on 01270 620555, or email us at .(JavaScript must be enabled to view this email address) and one of our team of Protection Specialists will give you a ring straight back

Life Insurance

Protection insurance is designed to help when the things we hope will never happen to us, do! Here at Watts we can offer you products from the whole of marketplace with a range of covers that are comprehensive, affordable and easy to understand. We can mix and match different covers to create a plan that suits your individual needs and budget perfectly.

Our aim is, quite simply, to protect you and your family against financial ups and downs - and to provide the practical help and emotional support you need - when you need it.

It’s a fact that most of us will have to come to terms with how we might cope if our partner dies unexpectedly, or how our dependants would cope if something happened to us It would be great to know that we’d done everything we could to minimise the financial impact. There might be a mortgage to be paid, or household bills to meet but no income to pay for them.

The right amount of Life Cover makes sure that, even though it will be an emotional and difficult time, all these things are taken care of if the person who is covered dies

You can choose to have Life Cover paid in any of the following ways:

• A level lump sum
• An increasing lump sum
• A decreasing lump sum
• A level monthly income
• An increasing monthly income

And you can choose to have this cover for a single life or for joint lives. So want to know more about protection then simply gives us a ring on 01270 620555, or email us at .(JavaScript must be enabled to view this email address) and one of our team of Protection Specialists will give you a ring straight back.