Brian Roberts Financial Services - Llandudno Mortgage Broker

General Insurance

If you own property without adequate insurance for buildings, contents, yourself and your family, then you are gambling with your future.

Everyone realises that a home, an investment property or business property must be kept secure from break-ins and damage from fire or other causes. Unfortunately, even though we understand the value of such deterrents, we often fail to realise the value of insurance in its various forms until it is too late.

Many properties are still under-insured or only have compulsory Buildings Insurance and many of us still think that critical illness cover, mortgage protection insurance and income protection are unnecessary luxuries. When you consider the value of properties and how accident or sickness can affect your livelihood it makes sense to invest in adequate levels of insurance protection.

During our working lives we strive to pay off debts and develop a secure future for ourselves. Illness, unemployment or an untimely death in the family does happen and can lead to serious financial problems. There is a myth that the government will look after you should you fall ill, have an accident or become unable to work. These days the rules on such matters are much tighter. For example, you can only get long-term sickness benefit if you are unable to do any work – not just the job you had before you became ill. Unfortunately for employers, your ability to get a job is still very much dependent on relevant past experience. This could leave you unable to get work and unable to obtain benefit.

It is now an FSA requirement that financial advisers offering mortgage services also fully explain and provide valuable advice on a wide range of insurance products.

I can help you decide on the best strategy for protecting your property, yourself and your family by providing skilled advice on any of the following products:

Life Assurance
Critical Illness Cover
Income Protection
Mortgage Payment Protection Insurance (Accident, Sickness and Unemployment)
Home Insurance

Please contact me for advice on any or these classes of cover. I can put together a package to suit your exact needs and budget. Alternatively, please click on one of the links below to obtain a personal quotation for Home Insurance and MPPI.

Home Insurance

Mortgage Payment Protection Insurance

Call me now on 01492 874233 or Email: brian@broberts.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Brian Roberts Financial Services is authorised and regulated by the Financial Services Authority.

Address: 28 Queens Road, Craig-y-Don, Llandudno, LL30 1AZ. Tel: 01492 874233 Email: brian@brianroberts.co.uk
Principal: Brian Roberts Cert PFS

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