Insurance Options

Sometimes in life things don't go quite as planned. It is important to consider what happens if something happens that affects your ability to meet the mortgage repayments. We offer a range of insurance solutions to protect against death, short and long term illnesses, as well as cover for the property itself.

We are whole of market for protection so we can tailor the solutions to your needs and budget and source cover for a number of existing conditions.

Life Insurance

Life Assurance is usually very affordable but is an important cover as being left with a large debt at the same time as losing someone can be devastating.

There are many ways to ensure that the family are not left in a vulnerable position and advisors at Evolve will be able to discuss and recommend the appropriate solution that fits your budget. Life assurance can be arranged to ensure the mortgage is repaid in the event of death or to replace an income.

 

Critical Illness

This is an area that we are very passionate about, as we have all had members of our families that have been touched by one of these illnesses. We also have access to whole of market in this area and look to ensure that a client is aware of what is covered by their monthly premium. 

Every company has a different level of cover and also of exclusions, as well as extra cover that they promote. We look at what cover is needed to ensure that large debts like mortgages are covered but also again what would be needed to help support a client, when suffering from one of the illnesses covered. Providers are regularly changing the cover that they offer, and we keep on top of these changes and explain them thoroughly to our clients.

We have a track record of helping clients through claims on these plans, and are there to help a client every step of the way to ensure that a claim is dealt with as effectively as possible.

Income Protection Insurance

We explore this area of cover during all our meetings with clients, as illness can leave clients with a financial headache too. We firstly look at what cover they have through work and ensure that the client knows the extent of this cover, as it may well be that work offers them exactly what they need.

In the event that their employer does not offer them the level of cover that they need, then we again look around the whole of market firstly to make sure the right priced product is found for them. We then explore with the client exactly how much they would need each month to pay their bills and ensure that if they had a family, that they did not go without.

We would also build into this conversation any help that the state would provide so as to keep the client’s costs down. We would discuss areas, such as term of cover required, when the cover should start, if the payments should increase and again review this on a regular basis as all needs change from year to year.

Buildings and Contents Insurance

When taking out a mortgage the lender will make it a condition that you have Buildings Insurance in place for exchange of contracts. Most customers choose to protect their contents as part of the same policy.

Buildings Insurance:

  • Cover for the structure of the property and fixtures and fittings such as walls, foundations and roof.
  • Cover for fire or flood damage
  • Additional cover can be added e.g Accidental Damage, Legal Protection

Contents Insurance

  • Cover for contents inside the property including carpets, furniture and clothing
  • Cover for fire or flood damage
  • Additional cover can be added e.g Accidental Damage, Personal Possessions away from the home, pedal cycles, mobile phones

We use a large panel of 5 star Defaqto rated insurance companies ensuring you have excellent cover in place. We are whole of market and can source more complex policies from specialist providers when required.