INSURANCES

Protection for you and your family

It is crucial that you consider how you are going to insure yourself and plan for the future, as you are not protected by employer provided packages. Whether you are looking for income protection, life cover or critical illness insurance Rothamsted Financial Services will have a solution to suit your needs and we will be able to arrange this for you. As with the advice we will provide you in relation to mortgages, our insurance advice is also fee free. We will be paid commission from the insurer and this is reflected in the premium amount you pay to them.

WHAT WE CAN DO FOR YOU

Our Personal Protection Insurance Products

It can be time consuming for an individual to identify and secure the right insurance package. Rothamsted Financial Services will handle the entire application process for you. We will also help you if you or your family need to make a claim. The areas of protection and insurance that we can support you with are:

Personal Protection Insurance Products

  • Income protection
    this will help you if you are unable to work due to accident or illness.

    INCOME PROTECTION PLANS THAT HAVE NO INVESTMENT LINK HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OFF THE TERM. IF YOU STOP PAYING YOUR PREMIUM YOUR COVER MAY END. 
  • Life Insurance
    this will provide your family with financial protection in the event of death.

    THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
  • Critical Illness Cover
    if you are diagnosed with a critical illness you will want to ensure that your family and loved ones are protected financially. We can ensure that they have the protection they need.

    PLANS MAY NOT COVER ALL DEFINITIONS OF CRITICAL ILLNESS. THE DEFINITION MAY VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH THE PLAN.
  • Building Insurance
    is an essential and legal requirement for all mortgaged properties and must be in place before the property exchange goes through. Rothamsted Financial Services can tailor your cover for your individual needs, with some policies even providing free cover from exchange until completion.
  • Contents Insurance
    Even though contents insurance is not a legal requirement, Rothamsted Financial Services recommend it in case the unexpected happens such as a fire or your home is burgled. It will safeguard your home from loss or damage and will protect your valuables and furniture.
  • Landlords Insurance
    If you’re the owner of a property that you want to rent out, many lenders may specify that you must have insurance in place. Rothamsted Financial Services can help secure the right policy for you.