Insurance Advisor

Your Insurance Advisor of Choice

The insurance market is flooded with policies that can be complex to understand, with loaded insurance premiums. Ensure your insurance needs are met with Bespoke Home Finance. Receive honest and straightforward advice to find the most suitable insurance policy for you.

I work with a large panel of insurance providers with no loaded premiums, and policies can be written in trust if required.
With the right insurance advice, you can be sure I will find the right cover for you.

Life and Critical Illness Cover

Life and critical illness cover protects your family financially should the worst happen to you within the policy term. A Bespoke Home Finance life insurance advisor could help you find the right insurance policy for you. If you die or are diagnosed with a terminal illness with a life expectancy of fewer than 12 months, life and critical illness cover could pay out a cash sum. 

Granted, it cannot replace the love you give, but it will help your loved ones during a difficult time. This may go towards your family, maintaining their living standards or keeping up with mortgage payments.

Life Insurance Cover

Whether you need life insurance may depend on your individual circumstances. For example, if you were a parent, would your spouse or children be able to manage financially if something were to happen to you? I can help you choose the right cover for you so that your family is protected in all circumstances.

After all, life can change suddenly, and you never know what is around the corner, but you can take measures to protect yourself should things take a turn for the worse. Leave it to the experts at Bespoke Home Finance for life insurance advice. I can help you find the perfect life cover that will be beneficial for you and your family.

Critical Illness Insurance Cover

Critical illness insurance is an insurance policy that helps protect you if you’re diagnosed with a critical medical condition during the term of your policy. A critical illness can affect anyone at any age, and when it does, it can turn lives upside down. 

When deciding if you need critical illness insurance, take into consideration the expenses that would need to be covered if you became critically ill and could no longer earn an income. Having a lump sum payout at this difficult time could be a massive help to you and your family.

You might use the money to help cover health-related costs, monthly expenses or lost income while you recover. For many, this takes a huge weight off their shoulders, allowing them to focus only on getting better and not having to worry about their finances.

Speak to our professional insurance advisor team today
to discuss critical illness coverage and find the perfect option for you and your family.

Income Protection Insurance

Income protection insurance is a policy that pays out if you’re unable to work because of an injury or illness. Most policies pay out until retirement, death or a return to work. 

Furthermore, when looking for the right income protection, it’s so important that you speak to knowledgeable professionals to get the right expertise and advice.

Income protection insurance covers you if you lose your job, provided you lose it through no fault of your own. The monthly payments will cover some of your lost earnings, helping you maintain your lifestyle while you’re away from work due to illness or injury. 

With the peace of mind that this protection offers, you can focus all your efforts on looking after your health rather than stressing about your finances.

Moreover, you can rest assured that at Bespoke Home Finance, every insurance advisor will go above and beyond for you to find the right cover for your circumstances. Speak to us today about income protection.

At Bespoke Home Finance, I know all our clients are different and have different circumstances. I am here to find the right insurance for you. 

Mortgage Protection

Mortgage protection is an insurance policy that helps cover your mortgage payments if you are unable to work due to injury, illness, or job loss. These insurance policies usually provide up to 65% of your gross monthly income, often capped at £2000 to £3000.

Some policies will also allow for an additional 25% to cover household bills or other living expenses. Claims are subject to a waiting period of 30 to 180 days. However, some insurance providers backdate payments to the start of your claim.

This insurance can be especially valuable for self-employed individuals and in scenarios where there’s a lack of access to redundancy or sick pay. Insurance advisors offer crucial financial support to prevent missed payments. This way, the right home insurance advice can help you safeguard your home during unforeseen circumstances.

Frequently asked questions

We know that the amount of insurance policies that companies offer can be overwhelming or complex for customers and leave them with many questions. Below are a few answers that will help make things clearer for you as you consider the service and assistance you need.

An insurance advisor or insurance broker is a professional who helps clients navigate insurance policies to ensure they get the most suitable one for them. They look at a number of personal factors like their client’s financial goals, the risks involved with certain policies, and the customer’s circumstances.

They will implement appropriate management processes, guide clients through the decision-making process, explain policies, bolster knowledge and answer any questions as required.

There is a difference between insurance brokers and insurance agents. Insurance brokers guide you and help you find the most suitable policy from an insurance company. An agent, however, works for specific insurers and promotes their insurance products.

This can depend on a range of different factors. The type of policy, what benefits you are looking for, your financial goals, and the insurance company you want to use. These are just a few particulars that can affect the price of insurance policies.

Customers need to trust their insurance company to keep peace of mind. With over two decades of experience and backed by insurance industry qualifications, Bespoke Home Finance specialises in helping you find the most suitable insurer for your needs.

No, you do not need life insurance to get a mortgage. However, insurance brokers and lenders would recommend that you do.  You may be required to have a type of mortgage protection insurance to ensure the loan can still be paid off if something happens to you.

Although life insurance isn’t needed, it can provide a personal safety net by paying out a lump sum or instalments to your dependents if you pass away. You should consider both life insurance and mortgage protection for comprehensive coverage.

Yes, the insurance company will pay out unless there is a failure to provide information relevant to an individual’s medical history. This is why working with an insurance advisor is so important.

By gathering information, assessing existing policies and implementing proactive planning for each claim, insurance experts ensure that all their customers disclose what they need to do in order to reduce the risk of future complications.

Contrary to popular belief, insurance companies are generally eager to settle claim submissions when the need arises. To build trust, many insurance companies publish their claims history from the previous year, showing the percentage of claims paid out.

Insurance brokers will not work with an insurer who has a bad track record of insurance claims. Insurers in the UK settle over 95% of clients’ claims on average, showing their commitment to customers.

Advice From
Bespoke Home Finance

If you are looking for trustworthy and professional expert advice to guide you every step of the way, then look no further than Bespoke Home Finance.

Furthermore, if you are looking to move home or even buy your first, I am here to help. Call me today at 0330 111 2477 or fill out the contact form below. I look forward to hearing from you and remember, there is no obligation or high-pressure tactics.

Based in Scotland, I offer our mortgage advice services in Edinburgh, Glasgow, Scotland and all across the UK too!

Contact us today at 0330 111 2477 for an insurance advisor who won’t let you down. Let me help you prioritise your needs and maximise your benefits.

BeSpoke Home Finance
company note
  • Bespoke Home Finance Ltd is an Appointed Representative of Primis Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority.
  • This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
  • The Financial Conduct Authority does not regulate all Buy to Let mortgages
  • AN EQUITY RELEASE PRODUCT WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS. TO UNDERSTAND THE FEATURES AND RISKS PLEASE ASK FOR A PERSONALISED ILLUSTRATION.
  • A LIFETIME MORTGAGE WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVEYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFIT
  • TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

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