01603 216881
Life & Critical Illness Insurance
Life & Critical Illness Insurance
Life & Critical Insurance Options
You want to do all you can to support your family. If something happens to you – if you pass away or are diagnosed with a critical illness – you want to ensure that your family will be taken care of. Charwin Private Clients are here to help you do just that.
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We offer life insurance and critical illness cover as part of our suite of insurance solutions. While these types of policies are often considered together, it is important to remember that they are quite different. A life insurance policy only pays out if you pass away. A critical illness policy, however, will pay out if you are diagnosed with a covered illness and survive for a certain amount of time (with details dependent on the policy).
The contracts are more complex than many people give them credit for with many having exclusions that you may be unaware of or conditions listed as being covered but so hard to claim on it may shock you. You will find that the price range from different providers, top to bottom is not that vast. Charwin Private Clients will make sure that you have the best priced cover that will perform properly and as you would expect should you be unfortunate enough to claim.
Our insurance services are free of charge. We will also take tax considerations in to account as well as marital status ensuring that your new policies are written in Trust where appropriate. This will ensure prompt payment and importantly not be assessed for Inheritance Tax.
It is fair to say that most Life Insurance or Critical Illness cover we see needs improvement or are insufficient when assessing the customer’s needs. We will keep your cover up to date, appropriate and robust at all times ensuring that you have total peace of mind.
Call us today on 01603 216883 to review or arrange your cover.
For residential, consumer BTL and business BTL
Your consultation is obligation and cost free, as is looking at any recommendation we may offer. We do not always charge a fee. This depends on your circumstances. When we do charge fees we take into consideration the commission we receive from the lender. Please check the Key Messages provided to you for the basis on which we charge fees. It will also be explained to you by your adviser. All fees in all circumstances are discussed with you and put in writing prior to any application being made. Our charge to advise and arrange your mortgage is £695. We deduct any lender commission expected from this fee. If the lender commission exceeds £695, we will not charge you at all. For example, if we receive £600 from the lender, we will levy a charge to you on completion of £95. We do not charge for setting up life assurance, critical illness, income protection or other insurance.
For 2nd charge (secured loan) business, Representative APRC 7.5% Variable.
Representative example: Annual interest rate of 6.9%, Representative 7.5% APRC Variable. Based on borrowing of £80,000 over 240 repayments of £631.06. Total amount repayable £151,824.40. Includes lender fee of £495 and broker fee of £1,500.
Charwin Private Clients are authorised and regulated by the Financial Conduct Authority. Our firm’s number is 498486. You can check our details on the FCA register by clicking here.
Our trading address is Holland Court, The Close, Norwich, NR1 4DY. Tel: 01603 216881 || Fax: 01603 216885
Registered in England No: 06628612. Registered office: Holland Court, The Close, Norwich, NR1 4DY. This site is only directed at persons within the UK.
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