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*.
Critical Illness Cover and Life or Critical Illness Cover can be paid in any of the following ways:
Once we have fully assessed your needs and circumstances we will advise and recommend the most suitable cover.
* Source: Cancer Research February 2015
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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With advances in medical care more and more people are now surviving illnesses once thought to be fatal.
Protection insurance is designed to help when the things we hope will never happen to us, do!
Protecting your future is important and Income Protection can protect your income and make sure that money is there when you need it most.
This cover can give you the peace of mind of knowing that in the event of redundancy or illness your mortgage payments will be made.
Your home is probably the largest single financial commitment you will make in your lifetime, so protecting it is so important.
You insure your car, your home, and your valuables - isn’t your health the most important asset of your life?
Relevant life insurance is a tax efficient way of a company providing life insurance for its employees, including directors of limited companies.
Directors’ shareholder protection is insurance that is specifically designed to ensure that should one the shareholding directors die or be diagnosed with a terminal illness the remaining shareholders will have access to sufficient capital to buy the deceased’s shares from his/her estate.
Key person insurance helps safeguard a business against the financial effects of the death or critical illness of a key member of staff
Your initial mortgage consultation is obligation free. There will be a fee for mortgage advice of £695 of which £95 is payable when you apply, and we retain the commission from the mortgage lender. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.
Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No 624815 at www.fsa.gov.uk/register/home.do
More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk
Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.