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Published on : March 25, 2020 15:37


Your Handy Guide to Protection Insurance


Protection insurance policies are designed to provide a critical safety net for you and your family.

This means if you were unable to work due to illness or accidents, your family would be protected.

As circumstances are changing at a fast pace, we’ve pulled together this handy guide to help you understand your options.


I have an existing policy


If you are an existing policyholder you can be assured that insurance providers are responding positively and will pay all valid claims. This applies to clients with life, critical illness or income protection already in place.

To help put your mind at ease, it would be best to check your existing policies, especially Income Protection or Accident & Sickness policies for details of any deferred or waiting periods.

We only recommend the very best insurers in the market so we know they will do their utmost to help.

As insurers are continually reviewing their policy terms and conditions in this market, your policy may contain valuable benefits as they were taken out before these uncertain times.

If you have any concerns or queries about your current policy or if you have missed any payments, please just give us a call on 0161 443 4555. Whatever you do, please keep your cover in place!

It’s also good to remember that most protection policies offer some great support services. Many offer remote or online GP services which could be invaluable in the coming days and weeks.



If you’d prefer not to visit your GP at this time, these services could come in really handy.

We recommend checking your policies for more details of the services offered. Please do get in touch with us or contact the provider directly if you have any queries.

But remember, if you have any concerns or are experiencing any symptoms related to Coronavirus, refer to the latest NHS guidance. This is important, as the situation is changing daily and the NHS or Government advice should be the first port of call.


I would like to purchase a new protection policy


You may be aware that there have been some changes to policy conditions and a tightening of medical underwriting in recent days.

Despite this, many products remain available and are often far more affordable than people think.

We are always here to help find the perfect cover for your unique situation.

If you have any questions around either engaging your current lender or more broadly around your mortgage, protection policies or the wider impacts of the Coronavirus on your financial position please get in touch with us on 0161 443 4830 or drop us an email at [email protected].


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