News Archives - Kingsbridge Personal Insurance

Kingsbridge Insurance Newsletter November 2025

A masonry grid collage of nine UK-based photographs illustrating various life stages and financial planning moments. Images include a festive living room decorated for Christmas, a couple reviewing property blueprints in a kitchen, a family walking on a coastal path, someone writing in a planner next to a cup of tea, a hand putting a coin into a piggy bank, an older and younger man looking through a photo album, a view of Big Ben and the Houses of Parliament, a woman using a tablet on a sofa, and a man checking his smartwatch in a gym.

We are touching base with our clients to check in and make sure everything’s on track including your protection plans. If you need help reviewing your cover, planning for the year ahead, or just want to talk through your options, we are here to help.

In this edition, we’re sharing a few quick reads. Why a yearly insurance check in matters. How your life insurance, critical illness, and income protection needs evolve over time. A look beyond health insurance basics and at some of the fun perks! As always, it’s about giving you the tools and confidence to make informed choices that support your goals and wellbeing. Now, and into the new year.

Meanwhile, this month, Chancellor Rachel Reeves is expected to deliver the Autumn Budget on 26 November 2025, focusing on measures to stabilise the economy and address financial gaps. While major tax rate increases are unlikely, there could be freezes or reductions in tax reliefs. Discussions are ongoing about overhauling systems like council tax and stamp duty. Potentially introducing a more equitable annual property tax based on current values. And we could see spending priorities change across areas like defence, welfare, and public services, potentially leading to cuts.

These developments could impact your financial planning, especially concerning property, pensions, and investments. If you’d like to discuss how these potential changes might affect you, give us a buzz or send a quick email, and we’ll be in touch.

Is it time for a policy review?

Regularly reviewing your insurance policies ensures your cover remains accurate and up to date. As circumstances change – such as income, property value, dependents, or lifestyle – your insurance needs may shift too. A periodic review helps identify any gaps in coverage, prevent over- or under-insuring, and confirm that premiums and benefits still offer value for money. Taking the time to reassess your policies each year can improve financial security and ensure you’re properly protected when you need it most.

1. Gather All Your Policies
Start by collecting your current insurance documents – digital or paper copies. Include:

Home and contents insurance
Car insurance
Health insurance
Life or income protection insurance
Travel or pet insurance (if relevant)

Tip: Create a simple spreadsheet or folder to track renewal dates, coverage amounts, and insurer contacts.

2. Check Policy Dates and Renewal Cycles
Look at the policy start and end dates. Most policies renew annually, so set a reminder 4–6 weeks before renewal to review and compare options.

3. Review Your Coverage Levels
Ask yourself:

Have your assets increased in value (e.g. home renovations, new valuables)?
Have your circumstances changed – such as a new job, family member, or property?
Does your coverage match current needs (e.g. underinsurance is common after home upgrades)?

Update coverage amounts or add riders to reflect your current situation.

4. Compare Premiums and Excesses
Check whether your premiums have increased and if your excess (the amount you pay when making a claim) still makes sense for your budget. It can be worth shopping around or asking your insurer for a loyalty discount or multi-policy bundle.

5. Check Exclusions and Conditions
Review the fine print. Look for:

Any new exclusions added at renewal
Changes to claim limits or sub-limits
Clauses that may no longer suit your lifestyle (e.g. working from home, home-based business use, etc.)

6. Update Personal Details
Make sure your contact details, nominated beneficiaries, and vehicle or property information are current. Outdated details can cause claim delays or rejections.

7. Seek Professional Advice
Consulting an insurance broker or financial adviser can streamline the process. We’ll review your policies, compare options across insurers, and help tailor coverage to your goals.

Quick Checklist

Policies collected and renewal dates noted
Coverage matches current assets and lifestyle
Premiums and excess reviewed
Exclusions understood
Details and beneficiaries updated
Professional review completed

Smart insurance planning over a lifetime.

Understanding how your insurance needs change over time is key to maintaining financial security for yourself and your loved ones. Life Insurance, Critical Illness Cover, and Income Protection are not “set and forget” products; they need to evolve as your life circumstances change. Here’s a stage-by-stage guide to how coverage requirements typically shift throughout a lifetime.

1. Early Career (20s)

Life Insurance: Think of policies that can cover debts (like student loans or mortgages) and provide initial protection for a young family if applicable.
Critical Illness Cover: Affordable early policies can lock in better premiums, so it’s definitely worth considering on that alone. And you’ll hopefully avoid ‘pre-existing’ illness clauses if you take out a policy early.
Income Protection: Key focus on protecting your salary in case of illness or injury, especially when establishing your career and savings.

2. Growing Family / Homeownership (30s–40s)

Life Insurance: Coverage typically increases to protect mortgage, dependents, and long-term financial commitments.
Critical Illness Cover: Becomes more relevant as family responsibilities grow. Policies may cover serious illnesses that could impact earning ability.
Income Protection: Essential for maintaining household stability if the main income earner cannot work. Policies may need updating to reflect higher salary and financial commitments.

3. Peak Earning Years / Teenage Children (40s–50s)

Life Insurance: Focus may shift toward debt reduction, children’s education, and securing spouse’s financial future. Some may reduce coverage if children are independent.
Critical Illness Cover: Higher premiums due to age, but still valuable for covering major health risks that could affect finances.
Income Protection: Remains important, especially for self-employed individuals or high earners, but coverage amounts may be reviewed as mortgage and family costs decrease.

4. Pre-Retirement (50s–60s)

Life Insurance: Often reduced or converted to smaller policies, sometimes for estate planning purposes or to cover final expenses.
Critical Illness Cover: Consider policies that pay out for illnesses that could impact retirement savings or lifestyle.
Income Protection: Typically reduces as income needs decline and retirement draws closer; may be less critical if other savings exist.

5. Retirement (60s+)

Life Insurance: Usually only needed for estate planning or covering any remaining debts.
Critical Illness Cover: Can provide funds for medical care or unexpected expenses not covered by health insurance.
Income Protection: Often no longer required, as regular income is replaced by superannuation, pensions, or savings.

Insurance needs are dynamic. What’s sufficient in your 20s may be inadequate in your 40s. Remember: regular reviews ensure cover matches life stage, financial obligations, and personal priorities. Consulting an adviser or broker will help you adjust your policies to maintain cost efficiency and adequate protection throughout your lifetime. Get in touch today for more details and to make the process a little less daunting. We’ve got your back.

Insurance that works harder!

When it comes to health insurance, many people think only about hospital treatment, consultations, or outpatient care. But today’s providers offer far more, from everyday wellbeing support to unexpected perks that can make your life healthier, and easier.

As your adviser, I want to help you understand not just what’s covered, but what value you can unlock through your health insurance membership. Here’s a guide to the traditional and surprising benefits offered by leading UK providers.

All the main providers, Aviva, Bupa, AXA Health, Vitality, The Exeter, and Benenden Health, offer the core protections you rely on.

Inpatient and Outpatient Care: Covers hospital stays, surgeries, consultations, and diagnostic tests.
Mental Health Support: Access to counselling or therapy sessions to maintain emotional wellbeing.
Cancer Care: Comprehensive coverage for treatments such as chemotherapy and radiotherapy.
GP Access: 24/7 consultations via phone or video to get advice when you need it.
Health Screenings: Regular check-ups to spot potential issues early and stay proactive about your health.

These benefits form the foundation of a solid health insurance policy, giving peace of mind for the big, unexpected medical events in life.

Beyond standard hospital cover, many UK health insurers now offer perks that make staying healthy easier.

Vitality Health rewards members with weekly free or discounted coffee, cinema discounts, cashback on healthy food, and even an Apple Watch for completing health activities.
Aviva Health provides the DigiCare+ app with mental health support, nutrition advice, wellbeing articles, and exclusive discounts.
Bupa Health lets members earn points through its Life Rewards Programme
AXA Health offers discounted gym memberships and reduced-rate health assessments.
Benenden Health includes employee wellbeing programmes, such as bike loans and EV salary sacrifice schemes, plus free tea and coffee at work.
The Exeter, via its HealthWise app, provides unlimited remote GP appointments, an annual finger-prick Health MOT, and video consultations with mental health specialists, dietitians, lifestyle coaches, and physiotherapists.

The small perks can encourage healthier habits. As your adviser, my goal is to make sure you get the most from your policy. That means reviewing your coverage regularly. Plus understanding all the extras available to you.

If you’d like to explore your current health insurance benefits or see what other providers could offer, get in touch today. Whether it’s via phone, email, or in-person consultation, I’m here to guide you every step of the way.

Kingsbridge Newsletter October 2025

A seven-panel photo collage. Top row: A multi-generational family outdoors; a cozy living room with a decorated Christmas tree and lit fireplace; a family with a baby on a rug. Middle row: Hands exchanging house keys in front of brick homes; a couple sitting and smiling on a sofa; a family with two children on a rug. Bottom right: A couple with arms around each other looking at a stone cottage.

We have created a handy guide about making sure you always receive your insurance claim. And how important life cover really is.

Let’s dive in!

In this month’s newsletter:

When Might an Insurer Not Pay a Claim?
Life Cover Isn’t a Nice Option to Have; It’s Essential

When Might an Insurer Not Pay a Claim?

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be when a claim is denied. While insurance is designed to provide financial protection, there are specific circumstances under which a claim may not be paid out.

So, we’ve put together a fact sheet to help you learn what you need to know:

1. Policy Exclusions
Insurance policies come with exclusions, which are specific situations or events that aren’t covered. For example, if you’re involved in an accident while driving under the influence of alcohol or drugs, your claim may be denied. It’s crucial to thoroughly read your policy to understand what’s included and what’s not.

2. Non-Disclosure of Information
When applying for insurance, you’re required to disclose all relevant information. Failing to do so can lead to a denied claim. For example, if you omit details about a pre-existing medical condition or a previous claim, the insurer may refuse to pay out.

3. Fraudulent Claims
Providing false or misleading information is considered fraud. If an insurer suspects that a claim is fraudulent, they have the right to deny it. Always ensure that the information you provide is accurate and truthful.

4. Lapsed or Cancelled Policies
If your policy has lapsed due to missed payments or has been cancelled, any claims made during this period won’t be honoured. It’s essential to keep up with premium payments and renew your policy on time.

5. Claims Below the Excess
If the cost of the damage or loss is less than your policy’s excess, the insurer won’t pay out. For example, if your excess is £250 and the damage amounts to £200, you would bear the full cost.

6. Poor Maintenance
In cases like vehicle insurance, if your car isn’t properly maintained and this leads to damage, your claim may be denied. Regular maintenance is not only good practice but also a requirement in many policies.

7. Failure to Report Promptly
Delaying the reporting of an incident can result in a denied claim. Insurers typically require that claims be reported within a certain timeframe. Always notify your insurer as soon as possible after an incident.

What to Do If Your Claim Is Denied
If your claim is denied, don’t panic. Here’s what you can do:

Understand the Reason: Insurers must provide a written explanation for the denial. Review this carefully to understand the basis of their decision.
Review Your Policy: Compare the insurer’s reasons with your policy’s terms and conditions to see if the denial is justified.
Contact the Insurer: Reach out to your insurer to discuss the decision. They may be able to provide further clarification or reconsider their stance.
File a Complaint: If you’re unsatisfied with the insurer’s response, you can file a complaint with the Financial Ombudsman Service (FOS). They offer free and independent services to resolve disputes between consumers and financial businesses.

Need Assistance?
If you’re unsure about your insurance policy or need help with a denied claim, don’t hesitate to get in touch. As an experienced insurance advisor, I’m here to help you navigate the complexities of insurance and ensure you have the coverage you need. Contact me today for a consultation.

Life Cover Isn’t a Nice Option to Have; It's Essential.

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer around can be a source of real anxiety. Recent research highlights just how widespread these worries are across the UK.

The study found that a significant number of adults often think about the financial impact their death would have on their family, with some constantly worrying about it. These findings underline a clear truth: many people feel unprepared for the financial challenges their family could face in the event of their passing.

The Reality of Financial Vulnerability
Nearly three-quarters of adults fear their family wouldn’t manage financially beyond twelve months if they were to pass away. Many believe their family would need more than £1,000 a month to cover basic living costs, such as housing, utilities, and groceries, while a notable proportion estimates the amount needed could be £2,500 or more.

These figures highlight a significant gap in financial preparedness. Rising living costs and economic uncertainties make it understandable that so many people feel anxious about their family’s financial future.

Why Life Insurance Matters
Life insurance can provide a financial safety net when it’s needed most. Imagine this: a parent passes away unexpectedly. Without life insurance, their partner may struggle to cover the mortgage, daily bills, and childcare costs while adjusting to life without that income. With life insurance in place, the family could pay off the mortgage, cover essential expenses, and maintain stability during a difficult time – giving them the security and breathing space to focus on what truly matters.

Even if your family could survive on savings alone, life insurance ensures that they don’t have to compromise their lifestyle or worry about short-term financial pressures during an already stressful period.

Take Action Today
If you’re concerned about your family’s financial security, now is the time to act. Speaking to a qualified financial advisor can help you understand your options and create a plan tailored to your needs. Let’s chat today to ensure your loved ones are protected. It’s one of the most important steps you can take.

Kingsbridge Insurance Newsletter September 2025

We hope you had a great summer. And are you all organised for back-to-school? We’ve compiled some helpful topics to help you get everything on track.

Consider what insurance you should have at home and away (do you have a child heading off to university this term?). We’ll dive into the understanding of protection versus insurance.

Finally, did you know health insurance can be used every day?

In this month’s newsletter:

Buildings & Contents Insurance Has Your Back
Understanding Protection vs Insurance: What’s the Difference?
Health Insurance Isn’t Just for Emergencies

Buildings & Contents Insurance Has Your Back.

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and contents insurance you can trust to step in. Equally, with September starting the back-to-school season, don’t forget that contents insurance can cover valuable objects, even away from home.

Think of buildings insurance as your home’s safety net. It covers the structure – walls, roof, floors, windows, fitted kitchens and bathrooms. If a storm tears off your roof or a fire guts your living room, your policy can cover the cost of full repair or even a complete rebuild. The goal? To restore your home as close as possible to its original condition so it’s safe, stable, and liveable.

Your belongings carry your memories and daily comforts – sofa, laptop, clothes, or children’s toys. If they’re damaged or stolen, contents insurance provides the funds to repair or replace them. Many policies offer “new for old” replacement, meaning you’ll receive brand-new items rather than the current value of your old ones. Helping your home feel like yours again, not just a patched-up version.

Many people don’t realise that contents insurance can cover your belongings even when they’re not at home. With the right policy additions, items like laptops, mobile phones, jewellery, or sports equipment can be protected while you or your child are on the go. This is made possible through personal possessions cover. An optional extra on most contents policies. It’s designed to extend your protection beyond your front door, whether you’re commuting, travelling, working, or studying away from home.

For students, some insurers allow coverage to continue under the family’s main contents policy, provided the term-time address is listed and the insurer’s conditions are met. Others may offer tailored student contents insurance.

So, if a laptop is stolen from a locked university dorm or a phone is damaged during the daily commute, your policy could have you covered, but only if you’ve arranged the right level of protection.

Quick Tips:
Add personal possessions cover to your contents policy
Declare when a family member is living away (e.g., at uni)
Specify high-value items if needed
Check limits and exclusions for off-premises claims
Ensure your sums insured match the actual cost of rebuilding and replacing – underinsurance is surprisingly common and can leave you short when you need support most.

Together, building and contents insurance give you peace of mind. Do you need a review?

If it’s been over a year since you reviewed your policy, or you’re unsure if you’re fully protected, let’s chat. A quick conversation now could make all the difference later.

Understanding Protection vs Insurance: What’s the Difference?

You may have heard the terms “Protection” and “Insurance” (like critical illness insurance and life insurance). But have you wondered what the difference is? In the world of financial planning, the terms protection and insurance often get used interchangeably, but they’re not quite the same. Here’s a quick overview, but remember, speaking with us directly will ensure you get personalised insight (and our advice is free!).

Income Protection

Replaces a percentage of your income (typically 50–70%) if you’re unable to work due to illness or injury.
Pays monthly, like a salary.
Can last until retirement, or for a fixed term (like 2 or 5 years).
Useful if you’re self-employed or have limited sick pay.

Why it matters: Your ability to earn is likely your biggest financial asset. If illness strikes, income protection helps you continue paying the bills without depleting your savings.

Life Insurance

Pays out a lump sum if you pass away during the policy term.
Helps your family cover the mortgage, living costs, or even future education.
Two main types: level term (fixed amount) and decreasing term (usually used alongside a repayment mortgage).

Why it matters: If others rely on your income or care, life insurance helps protect their financial stability if the worst happens.

Benefits of Critical Illness Cover: The “In-Between” Support

Critical illness cover pays a tax-free lump sum if you’re diagnosed with a serious illness listed in your policy – like cancer, heart attack, or stroke.

Can be standalone or added to life cover.
Money can be used however you need: private treatment, home adjustments, time off work, or even just breathing space.

Why it matters: It bridges the gap – you’re alive, but you may not be able to work, and recovery takes time. It’s peace of mind during a difficult period, without needing to rush back to work before you’re ready.

Final Thought: Tailored Protection is Better Than Guesswork

There’s no one-size-fits-all solution. Each cover serves a different purpose, and together, they form a strong foundation for your financial wellbeing.

As an advisor, my role is to help you figure out what matters most to you – whether that’s protecting your family, your lifestyle, or your future self.

Health Insurance Isn’t Just for Emergencies.

When people think of private health insurance, they often imagine it’s only there for the big stuff, like major surgery, overnight hospital stays, or medical emergencies. But the truth is, many policies offer a lot more than that.

In fact, some of the most valuable benefits of health insurance are the everyday services you can use to stay well, feel better, and take control of your health, long before anything becomes urgent.

Here are five surprising ways health insurance can help you in everyday life, whether you’re a renter in your 20s, a busy parent, or planning for retirement.

1. Fast-Track GP Appointments – Often Same Day

No more waiting weeks to see a doctor. Many policies now include virtual GP services you can access online or via an app, often 24/7.

You can:

Speak to a UK-registered GP from the sofa
Get prescriptions sent straight to your door or local pharmacy
Avoid taking time off work or juggling childcare to attend in person
Ideal for: Young professionals, families with children, and anyone who values convenience

2. Mental Health Support You Can Actually Access

Private cover often includes therapy, counselling, and mental health assessments, usually with far shorter wait times than the NHS.

Whether it’s managing anxiety, getting relationship support, or just needing someone to talk to, health insurance can connect you with qualified professionals discreetly and quickly.

Ideal for: Everyone – mental health has no age limit. Especially helpful for teens, carers, and people going through major life transitions.

3. Everyday Physio and Rehab Services

Sore back? Dodgy knee? Private policies often include access to physiotherapy, chiropractic care, or even sports massage – which can help you recover faster and avoid worsening injuries.

Instead of being prescribed rest and painkillers, you get hands-on treatment that can keep you active and independent.

Ideal for: Parents chasing toddlers, retirees staying active, or renters working from home with bad posture.

4. Health Checks and Preventative Screenings

Many insurers are now big on preventative care – encouraging early detection before issues become serious. That might include:

Annual health MOTs
Cancer screenings
Lifestyle coaching
Nutritional advice

Ideal for: Anyone who wants to be proactive – especially those with a family history of conditions like diabetes or heart disease.

5. Discounts on Gyms, Wellness Apps, and Everyday Services

Some policies come with reward programmes, offering discounts on:

Gym memberships (like Nuffield or David Lloyd)
Fitness trackers
Meditation and sleep apps (like Headspace or Calm)
Healthy food deliveries or partner retailers

Ideal for: Everyone – especially useful if you’re on a budget or looking to build healthy habits without the hefty price tag.

Health insurance isn’t just about protecting you when things go wrong. It’s about helping you feel good, live well, and stay on top of your health every day.

Whether you’re:

Renting your first flat and want a sense of security,
Managing a household and juggling everyone’s needs,
Or enjoying retirement and looking to maintain independence…

…health insurance might offer far more value than you realise.

Not sure what’s right for your life stage?
Let’s have a chat – no pressure, just clear answers. I’ll help you explore what’s available and what suits your needs, budget, and goals.

Kingsbridge Insurance Newsletter August 2025

A three-part photographic collage representing different stages of homeownership in the UK. The left panel shows the exterior of an estate agent's office with property listings in the window and a 'Sold' sign outside terraced houses. The top right panel shows a smiling woman working on a laptop at a kitchen table next to her young child. The bottom right panel shows an older couple sitting happily on a garden bench outside a modern bungalow with solar panels.

We are starting this month’s newsletter with a Market Watch to see how 2025 is faring so far.

We also have lots of helpful advice on critical illness cover, and your changing insurance needs.

In this month’s newsletter:

2025 Market Watch
How Did Critical Illness Cover Support This Self-Employed Single Mum?
From Renting to Retirement, How Do Your Insurance Needs Change Through Life?

2025 Market Watch.

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break down a few changes. Here’s an overview of the current trends in mortgages, protection, insurance, and later-life lending so far:

Protection & General Insurance

There are some interesting things happening with technological innovation in the insurance world – but the need for a trustworthy advisor remains. As mortgage landscapes shift, protection products (like home emergency cover, legal expense add-ons, and more bespoke or digital-first solutions) are adapting.

Later-Life Lending

Again, we are seeing market growth in equity release news. Lending rose to £665 m in the first quarter of 2025 (up from £622 m in the last quarter of 2024). Marking four straight quarters of growth. Rising house prices have made homeowners more inclined to tap equity. The average release rates are now between 5.7–7%. Doubling from 3.7% in 2021.

More and more, the industry calls for emphasis on regulation and transparency for responsible lending. Making sure clients always come first. No-negative-equity guarantees and clearer consumer guidance are top of the list for regulation. Meanwhile, emerging UK home equity line of credit (HELOC)-like products reflect a shift toward more flexible equity-access methods, influenced by US-style. Did you have more questions about this?

To finish up…

Professional advice remains crucial. Especially as we are seeing falling fixed rates, strong lending volumes, and easing affordability amid policy shifts in the mortgage world, plus tech-enhanced quoting, rising complexity in protection and insurance. Equally, the continued market growth, product innovation, and rate rises in equity call for expert help.

Do you need help getting started with any new products this month? Let’s have an honest conversation about you and your needs. We’ll update our file and address any new requirements you may have. Reply to this email or give us a call.

How did critical illness cover support this self-employed single mom.

When it comes to buying insurance, whether for your car, home, health, or income, it’s tempting to focus on price. After all, who doesn’t want to save money? But while a cheaper premium may look appealing upfront, it could cost you far more in the long run. if the policy doesn’t do what you need it to. Equally, by chatting with an advisor, you’ll ensure you’ll end up with the right policy for you and your needs.

Let’s dive into the top reasons why “cheaper” doesn’t always mean “better” when it comes to insurance:

1. Lower Premiums Often Mean Lower Cover
Cut-price policies tend to offer minimal cover. That might be fine – until you actually need to make a claim. For example, if you bought a cheap contents insurance policy and unfortunately had a break-in, you might find that only £10,000 of items are covered. Plus, it excludes electronics, jewellery, and bikes. That “bargain” policy won’t come close to replacing what you lost.

2. Exclusions and Small Print Matter
Cheap insurance policies often have more exclusions. Also known as: the things they won’t pay out for. Our top tip? Always read the key facts document and ask an adviser to explain what’s not included.

3. Delays, Excesses, and Claim Limits
Cost-saving features reduce the price but can also reduce the value of the policy when you need it most. Such as:

Higher excesses (the amount you must pay before the insurer contributes)
Lower payout caps (especially on home, travel, or gadget insurance)
Longer waiting periods (common with income protection or private medical insurance)

4. Poor Service at the Worst Time
Customer service can suffer with ultra-budget insurers. Long call waits, confusing processes, and slow claims payments may be more common with cheaper providers. When you’re already dealing with theft, or an accident, poor service adds stress you don’t need.

Check with an advisor before choosing on price alone.

Some budget insurers might not offer legal and financial coverage. Or aspects like counselling services and family support. In contrast, more comprehensive (and slightly more expensive) policies often include these extras that can make a big difference in a crisis.

The most important question isn’t “What’s the cheapest insurance?” but “What’s the right insurance for me?”
It’s not about buying the most expensive insurance – it’s about buying the most suitable one. Sometimes that may cost a little more, but in exchange, you’ll get peace of mind, real support when you need it, and a policy that actually works for your situation.

Chat with us today to ensure you are insured where you need it.

From renting to retirement, how do your insurance needs change through life.

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect that. While some policies are easy to set and forget, the reality is that regular reviews are crucial to ensure you’re properly protected at every stage of life. We can manage all this for you, so you can focus on living, and not worrying about your insurance needs!

Here’s how your insurance needs typically shift – from your renting days to your retirement dreams.

In Your 20s–30s: Renting, Studying, and Starting Out

Contents insurance
Car insurance
Private health (if NHS waiting times are a concern)

Young renters often assume the landlord’s building insurance has them covered – but it doesn’t protect your personal belongings. A basic contents policy can safeguard your gadgets, clothes, and furniture. And for drivers, car insurance is not just a legal requirement, but increasingly tailored to low-mileage or app-based driving styles.

In Your 30s–40s: Buying a Home, Having Kids, Getting Established

Buildings & contents insurance
Health insurance (especially with a young family)
Pet insurance
Gadget cover

When you buy a property, buildings insurance becomes essential (especially if you have a mortgage). It covers structural issues like fire or flooding. Add contents cover to protect everything inside, from white goods to laptops.

If you’ve added a furry family member, pet insurance is a smart move – vet bills can be steep, and even routine treatments add up. And as gadgets multiply, especially in households with children, gadget insurance can save you hundreds on lost or broken devices.

Don’t forget to reassess your policy limits as your belongings grow in value.

In Your 50s–60s: Upsizing, Downsizing, and Health Focus

Comprehensive home cover
Travel insurance with medical cover
Private medical insurance
Specialist car cover (e.g. for classic cars or lower mileage)

At this stage, you might be travelling more or considering early retirement. Travel insurance becomes increasingly important, and more complex, with age, as pre-existing conditions often require disclosure. Annual policies may still offer value, but be sure they cover your destinations and activities. Your health might become a bigger priority, too. Private medical insurance can provide faster diagnosis and treatment, especially if you want access to specific consultants or hospitals.

Tip: If you’re downsizing or moving to a different area, don’t forget to update your home policy – premiums and risks vary by postcode.

In Retirement: Lifestyle-Based Cover

Home & contents
Health & dental insurance
Travel cover with cruise or extended trip options
Legal expenses or home emergency cover

Retirement can bring more freedom, and more time at home or abroad. Consider home emergency cover to protect against burst pipes or boiler failures, especially if you’re away for extended periods. If you’re cruising or heading abroad for months, look for specialist travel insurance with generous trip limits.

For ongoing health concerns, private health insurance with outpatient care and dental add-ons can make life more comfortable and reduce waiting times.

Some insurers offer over-60s discounts or loyalty perks, and is worth reviewing every few years.

One Size Doesn’t Fit All

Even if your policies are set to auto-renew, they may no longer suit your lifestyle or reflect current costs and values. Regularly reviewing your cover ensures you’re not overpaying, or under-protected.

Whether you’re renting your first flat or planning for retirement adventures, make insurance work for where you are now, not where you were five years ago. Let’s get you updated for the future! Get in touch today for advice just for you.

Kingsbridge Insurance Newsletter July 2025

We hope everyone is having a lovely summer. We’ve put together a very information-filled newsletter this month.

We’ve covered a few FAQs, like why a cheaper insurance policy isn’t always better. What to look for in an income protection policy.

Plus, handy info on how health insurance can help you stay active and how to build your financial resilience.

In this month’s newsletter:

Don’t Let a Bargain Policy Leave You Uncovered
Not All Income Protection Is Equal – Here’s Why
Can Your Health Cover Help You Get Fitter? Yes, Here’s How
Stay Calm and Financially Resilient

Don't let a bargain policy leave you uncovered.

When it comes to buying insurance, whether for your car, home, health, or income, it’s tempting to focus on price. After all, who doesn’t want to save money? But while a cheaper premium may look appealing upfront, it could cost you far more in the long run. if the policy doesn’t do what you need it to. Equally, by chatting with an advisor, you’ll ensure you’ll end up with the right policy for you and your needs.

Let’s dive into the top reasons why “cheaper” doesn’t always mean “better” when it comes to insurance:

1. Lower Premiums Often Mean Lower Cover
Cut-price policies tend to offer minimal cover. That might be fine – until you actually need to make a claim. For example, if you bought a cheap contents insurance policy and unfortunately had a break-in, you might find that only £10,000 of items are covered. Plus, it excludes electronics, jewellery, and bikes. That “bargain” policy won’t come close to replacing what you lost.

2. Exclusions and Small Print Matter
Cheap insurance policies often have more exclusions. Also known as: the things they won’t pay out for. Our top tip? Always read the key facts document and ask an adviser to explain what’s not included.

3. Delays, Excesses, and Claim Limits
Cost-saving features reduce the price but can also reduce the value of the policy when you need it most. Such as:

Higher excesses (the amount you must pay before the insurer contributes)
Lower payout caps (especially on home, travel, or gadget insurance)
Longer waiting periods (common with income protection or private medical insurance)

4. Poor Service at the Worst Time
Customer service can suffer with ultra-budget insurers. Long call waits, confusing processes, and slow claims payments may be more common with cheaper providers. When you’re already dealing with theft, or an accident, poor service adds stress you don’t need.

Check with an advisor before choosing on price alone.

Some budget insurers might not offer legal and financial coverage. Or aspects like counselling services and family support. In contrast, more comprehensive (and slightly more expensive) policies often include these extras that can make a big difference in a crisis.

The most important question isn’t “What’s the cheapest insurance?” but “What’s the right insurance for me?”
It’s not about buying the most expensive insurance – it’s about buying the most suitable one. Sometimes that may cost a little more, but in exchange, you’ll get peace of mind, real support when you need it, and a policy that actually works for your situation.

Chat with us today to ensure you are insured where you need it.

Not all income protection is equal - here's why.

Life can be unpredictable, and depending on your line of work, if illness or injury stops you from working, your income can change overnight. That’s where income protection insurance comes in. Offering a financial safety net when you need it most. We are specialised in helping people with income protection. We’re here to help – give us a ring and let’s talk through your options.

Understand How You’ll Be Assessed

The definition of incapacity is one of the most important parts of your policy. It determines when you can make a claim based on your ability to work.

Own occupation: Pays out if you can’t do your specific job. This is the most comprehensive and flexible option and offers the highest level of protection.
Suited occupation: Pays only if you can’t do a job suited to your skills or experience.
Any occupation: Pays out only if you can’t do any job at all – the strictest definition and often hardest to claim against.

Choose The Right Deferred Period
This is the waiting period between when you stop working and when your payments begin. Common options include 4, 8, 13, 26, or 52 weeks. A longer deferred period usually means lower premiums, but you’ll need other financial support to cover the gap. Look at your sick pay or savings buffer and see how it lines up.

Check How Much You’ll Be Paid
You can usually insure between 50% and 70% of your gross income. Payments are tax-free if you’re paying for the policy personally. This ensures you can still cover essential bills like your mortgage or rent, food, and utilities, even while off work.

Decide Between Short-Term or Long-Term Cover

Short-term cover: Pays out for a maximum of 1 or 2 years per claim. It’s more affordable but offers less long-term security.
Long-term cover: Continues until you return to work, retire, pass away, or reach the end of your policy term – usually around age 60 or 70.

Should Your Cover Rise with Inflation?
Many policies offer the option to index-link your cover, meaning your benefit will rise each year in line with inflation… maintaining your income’s real-world value over time.

Understand the Premium Type

Guaranteed premiums: Stay the same unless you make changes.
Reviewable premiums: Can be changed by the insurer, often every 5 years.
Age-banded premiums: Rise gradually as you get older.

Watch for Exclusions
Pre-existing conditions may not be covered, and some policies have exclusions for mental health issues, back pain, or pregnancy-related conditions.

Additional Considerations

Rehabilitation support to help you return to work.
Waiver of premium, which means you don’t pay while claiming.
Guaranteed insurability, so you can increase your cover if your circumstances change (e.g., getting a mortgage or starting a family).

Still unsure? A financial adviser can help match your needs and budget with the right level of cover. Give us a call – we’re happy to help.

Can your health cover help you get fitter?

Are you looking to feel your best this summer? It can be a self-conscious time of year, but let’s make 2025 the year you leave your worries behind. And actually enjoy swimming with the kids or sunbathing on the beach.

Did you know private health insurance can help you become more active, healthier, and more proactive in your fitness goals? Probably, because we talk about it all the time! But while most people think of health insurance as something you use when you’re ill, many modern policies now include wellness and fitness benefits that get us moving. In turn, promising a healthier and happier life!

Give us a call today to see how a supportive PMI has changed our lifestyle! And we’ll cherry-pick the most suitable policy just for you.

Did you know PMI can include gym discounts and fitness rewards?

Yes really! Many insurers partner with well-known gyms and fitness brands. Think discounted memberships at PureGym, Nuffield Health, David Lloyd, or Virgin Active, and more! Alongside this, you can expect cashback or rewards for tracking exercise. Plus, even discounts on home fitness equipment, apps, and wearables.

For example, Vitality Health offers incentives like free Apple Watches and discounted gym memberships when you hit fitness activity targets each month.

Do you feel like you need extra support for nutrition and lifestyle coaching?

Think nutritionists or dietitian consultations. Wellness coaches or lifestyle planning sessions. Or mental health support, which can help give you motivation to stay active.

How does faster access to physio and sports injury treatment sound?

For some, getting moving comes with physical blocks. PMI can get this fixed before your next run. Staying active means you might face the occasional strain or injury. But quick access to physiotherapy, referrals to sports medicine specialists, and cover for treatments like osteopathy or chiropractic care can all help!

Equally, PMI means reduced waiting times for tests and treatment

You’ll skip long waits for diagnostics like MRIs or blood tests. Access consultations quickly, so problems can be addressed sooner. So you’ll get back on track faster after illness or injury!

Finally, let’s look at incentivised wellness programs

Some insurers offer reward schemes that turn healthy habits into real-world perks. These might include:

Discounts on activewear, bikes, or sports events
Free cinema tickets, coffee, or travel rewards for hitting step counts or gym sessions
Wellness apps with tracking tools and personalised plans

Private medical insurance isn’t just about illness. It’s evolving to support whole-life wellbeing. Whether it’s getting back on your feet after injury or helping you stay fit with discounts and incentives, it’ll play a critical role in helping you live a more active life. And in turn, helping you feel more confident no matter the weather!

Do you need help finding a policy? Let’s chat and see how we can help you!

Stay calm and financially resilient.

Your Money, Your Safety Net
Life can be unpredictable. Whether it’s a sudden job loss, an illness, or a big, unexpected expense, being financially resilient means you’re ready to weather the storm.

The best part? A lot of these you can ‘set and forget’, meaning with a budget in place, you can enjoy your holiday or drinks in the beer garden. But also know when to ‘call it’ to ensure your financial resilience.

Here’s how you can start building that resilience today in practical, achievable steps.

Start an Emergency Fund: Aim to save 3–6 months’ worth of essential expenses (like rent, bills, and food). Begin with small weekly amounts and keep it in an easy-access savings account. Some banking apps let you round up purchases to build savings effortlessly.
Review your spending. Cancel unused subscriptions, compare utility prices, and switch providers to save. Use cashback and voucher websites for everyday purchases.
Deal with Debt: Pay off high-interest debts first, such as credit cards. Look into 0% balance transfer deals. If you’re overwhelmed, free advice is available from organisations like StepChange and Citizens Advice.
Income Protection Insurance can replace part of your income if you’re unable to work due to illness or injury. Critical Illness Cover pays a lump sum for certain serious conditions. Some employers include these in benefit packages.
You might be eligible for benefits. Use Turn2us or Entitledto to check on your Universal Credit, Council Tax Reduction, or Cost of Living Payments. Many people miss out on money they could claim.
Could you explore extra income? Side hustles, freelance gigs, or renting out a spare room (via the Rent a Room Scheme) can supplement your income. Small, consistent boosts can make a big difference.
Put money into an ISA or pension regularly. If you’re under 40, a Lifetime ISA could help you save for a home or retirement with a 25% government bonus.
Insure What Matters: Life, home, and health insurance all help protect your financial wellbeing in the face of unexpected events.

Financial resilience isn’t about being wealthy. It’s about planning, protecting, and preparing for the unexpected, one step at a time. Ready to take the first step? Start with just one change today. Give us a call and let’s see how we can help.

Kingsbridge Insurance Newsletter June 2025

We’ve been asking our clients what they’d like to hear about, so we are taking the chance this month to cover some topics. For example, do you know you might need different insurance depending on the age of your home?

Do you have any topics you’d like to understand more about? Get in touch and we’ll aim to answer them!

Finally, we’ve heard some shocking statistics coming out of the NHS. Let us get your private health insurance and critical illness cover sorted so you aren’t waiting long for the care you need.

In this month’s newsletter:

Insuring a heritage or listed building? What unique risks should you consider?
Avoid NHS waiting times with private medical insurance
How can a critical illness insurance policy help with NHS waitlists?

Insuring a heritage or listed building?

There is a lot of love for those beautiful older houses, from the Tudor era to the popular Edwardian terraces. But it’s important to remember, insuring older or historic homes (especially listed buildings) requires special policies. Materials are often costly to maintain historical standards. If your house is heritage, you are obliged to repair it in the same style and approach.

When comparing new build vs. historic (or older) homes for home insurance in the UK, you need to weigh up the costs and factors. Insurers assess risk based on the age, construction materials, and condition of a property. Directly impacting your premiums, coverage limits, and eligibility.

We’ve answered some commonly asked questions. But get in touch if you need detailed advice. We’ll be able to line up the best policy to suit your home. You don’t want to get caught out!

Will structural risks and materials come into consideration?

New Homes: These are built to modern standards (e.g., NHBC warranty) and use fire-resistant and energy-efficient materials. Because of this, there is a lower risk of plumbing/electrical faults. This will generally mean they are cheaper to insure.

Historic Homes (typically 50+ years old): All the charm we love about old homes means they may include non-standard construction such as thatch, timber, cob, and stone. Because of this, there is a higher risk of structural or maintenance issues. This means they will be more expensive and complex to repair or restore. Raising insurance premiums.

How will the repair and rebuild costs play out?

New Homes: Costs will be predictable, and many materials are readily available. Because of this, an off-the-shelf policy is typically based on standard rebuild values.

Historic Homes: Likely, your home will need specialist craftsmanship, and these rebuild costs are often higher than the market value. You may be required to find specialist insurers with policies tailored to heritage buildings (like Grade I or II listed).

What policy extras should I consider?

Keep in mind if your historic house needs repairs, you may need to leave your home. You might want to look at alternative accommodation cover. Historic homes can become uninhabitable, with repairs taking longer. Also, consider taking out home emergency cover, as older homes are prone to unexpected faults. They tend to have older plumbing systems — finding the source of leaks can be tricky. Same for electrical systems.

What about ‘listed buildings’?

If your historic home is Grade I or II listed, you’ll likely need specialist insurance. It should cover listed building consent repairs and include heritage-appropriate materials. Plus, offering legal and planning support is a huge help!

New homes generally benefit from lower premiums and standard coverage. While historic homes often need custom insurance and face higher premiums due to increased risk and repair complexity. But don’t let this get in the way of your dream home purchase. Chat with us today to protect your biggest asset — no matter the age!

How to use equity release as you get older.

As you approach the ‘Golden Years’, are you considering whether to stay at home or move into care? Can you afford to do this without selling your home? Equity release for home improvements or aged care is a popular choice for many older homeowners as they look for ways to stay at home for longer and improve the quality of life in retirement.

For those over 55, equity release (or a lifetime mortgage) allows you to release equity from your home without monthly repayments. The debt, and its roll-up interest accrued, is paid with the sale of the house. With this in mind, it can affect the inheritance you leave. So, as you get ready for your older years, it’s important to weigh up the options if aged care or “ageing in place” is better for you.

As it’s a unique situation for each person, you’ll need a financial adviser to help. Are you looking for equity release? Let’s book you in for a call, and we can discuss all the finer details.

How can equity release help update your home?
Many older adults want to “age in place” by making their home more suitable for long-term living. For many, you’ll be able to fund renovations or adaptations to allow you to stay at home for as long as possible.

What common home improvements can be funded through equity release?

Installing walk-in showers, stairlifts, ramps, or other modifications that make it easier to move around.
More accessible and user-friendly spaces in your kitchens or bathrooms.
Extending your home to make space for a live-in carer.
Adding insulation, upgrading boilers, or installing solar panels can make the home more energy-efficient and reduce utility bills.

How is equity release used for aged care?
As we age, we may need extra help with daily activities. This could involve home care or residential care. However, going private can be expensive. Equity release allows you to access the money tied up in your property to fund aged care. This will ensure you can get the help you need without the need to sell your home.

What other ways does equity release help as you get older?
Equity release can also be used for non-NHS treatments that may not be covered by the public system. Like dental procedures, hearing aids, or private physiotherapy.

Always consult with a qualified equity release adviser who can provide independent, regulated advice about your options. Equally, make sure you explore alternatives like downsizing, applying for local government assistance for care, or tapping into other retirement savings to ensure you’re making the right financial decision.

Equity release can be a useful tool to help fund home adaptations or aged care, but like any financial decision, it requires careful consideration. If you’d like more detailed information or want help, feel free to ask! We are here to help you enjoy the golden years as best as possible!

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

Avoid NHS waiting times with private medical insurance.

Did you know private health insurance can provide an essential safety net?

You’ll be able to access treatment faster, bypassing waiting lists. One monthly fee or an annual payment will reduce financial stress by covering the high costs of surgery, diagnostics, and hospital care. And you’ll have the choice of specialists and hospitals to suit your needs. Plus, comprehensive support for high-value claims, such as cancer treatment.

We’ve looked at the recent statistics putting pressure on NHS services:

7.6 million people are currently on hospital waiting lists in England.
One in nine people are on a waiting list for hospital treatment.
One in eight patients wait over a year for hip or knee surgery.
One in twenty patients have been waiting more than a year for treatment.
90% of gynaecological departments face staffing gaps.

The statutory 18-week Referral to Treatment (RTT) target has not been met since 2016, and median wait times have risen from around 8.4 weeks pre-pandemic to over 14 weeks in 2024 (NHS England, 2024). Scotland and Wales, with their respective 12-week and 26-week treatment time guarantees, have also seen increasing breaches in those targets. With these figures in mind, people are turning to private to jump the waitlist.

Did you know if you paid out of pocket for surgeries without PMI, these are the general fees?

Primary total hip replacement: £13,150
Primary posterior spinal fusion surgery: £13,425
Cardiac ablation: £10,103
Laparoscopic hemicolectomy: £11,546
CT/MRI-guided biopsy: £2,120
Tonsillectomy: £2,113
MRI scan (1 area): £538

With NHS waiting times and the cost of private procedures on the rise, PMI offers a practical and effective solution. By investing in your health, you’ll ensure access to timely care when you need it.

But remember — don’t wait until you need help. There is often a waiting “cooling off” period before you can access private medical care. If you have a pre-existing illness, this can also affect the policy. But contact us today, and we’ll use our expert knowledge and connections with insurance companies to find a PMI perfect for you.

Take control of your healthcare. Contact us today to explore your options and find a policy tailored to your health and budget. Don’t let waiting lists or rising costs stand in the way of your health.

How can a critical illness insurance policy help with NHS waiting lists?

Following on from our last article, did you know that critical illness insurance can provide an extra security net?

As we previously mentioned, waiting times for elective surgery within the NHS have significantly worsened in recent years. COVID-19 had a deep and lasting impact on access to care. NHS England alone recorded over 7.5 million people on waiting lists as of late 2024.

Traditionally, critical illness policies in the UK are paid out once a covered surgery or diagnosis has been completed. We are seeing insurers adapting their products to provide support earlier in the process as the NHS backlog grows. Policies now include waiting list clauses. This will trigger a payout as soon as the insured is placed on an NHS waiting list for a surgical procedure.

This change reflects the clinical reality. Once a condition is severe enough to warrant major surgery, the patient’s health, livelihood or quality of life is at risk. A waiting list payout can allow you to fund private treatment if desired. Or provide financial stability while waiting for care.

Additionally, there is a genuine risk that a policy may lapse before surgery takes place. Particularly given the current prolonged delays. Early payouts have become especially valuable. These clauses are linked to high-severity surgical interventions, particularly those involving the heart, brain, or major organs.

For patients living with serious, surgery-dependent conditions, waiting list-based policy clauses now provide a valuable financial lifeline.

Things to reflect on:

Which providers offer good coverage for those on an NHS waiting list or with PMI?
What are the current wait times for surgery in your area?

Let’s catch up today to make sure your critical illness and protection policies are in place with the current expectations. Do you have any questions? Contact us and we will be happy to help.

Kingsbridge Insurance Newsletter May 2025

A six-panel masonry photo collage featuring scenes related to summer and finances in the UK. Top left: A family of four enjoys a barbecue in a backyard. Middle left: A couple toasts with beer glasses at a stone pub. Bottom left: An older couple smiles while reading a "DREAM HOLIDAY" brochure. Center: A man paddleboards on a calm lake surrounded by hills. Top right: Hands hold a "PRE-APPROVAL" document next to a calculator and envelope. Bottom right: A view of a white conservatory extension on a brick house.

How to stay active in summer and how health insurance can help. To get your finances sorted, we cover five mistakes to avoid when buying insurance and how to get your budget ‘summer’ friendly. And don’t forget, income protection, critical illness cover, and life insurance should always be prioritised, no matter the season. We explain why.

Happy reading!

In this month’s newsletter:

Avoid these mistakes when buying insurance.

General insurance—whether it’s for your car, home, travel, or health—is a crucial financial safety net. But buying the wrong policy or overlooking key details can leave you underprotected when it matters most.

To help you make a smart, informed decision, here are the top five common mistakes to avoid when purchasing general insurance. Of course, using a broker ensures you can avoid these mistakes. Give us a call to get your insurance all lined up.

1. Not Understanding the Policy Coverage
One of the biggest mistakes people make is not fully understanding what their policy covers. Every policy has inclusions (what it covers) and exclusions (what it doesn’t). Failing to read the fine print can result in denied claims or unexpected out-of-pocket costs later on.
Tip: Consult a trusted advisor for detailed help, and don’t hesitate to ask questions!

2. Choosing the Cheapest Premium
It’s tempting to go with the policy that costs the least, especially if you’re looking to save money. But in insurance, cheaper isn’t always better. A low premium can often mean limited benefits or minimal customer service.
Tip: Make sure to look for comprehensive coverage, good claim settlement ratios, and reliable customer support.

3. Underinsuring Your Assets
Many people undervalue their property or assets when purchasing insurance. But, insuring your home for less than its actual value or opting for minimal insurance can leave you underprotected in the event of loss or damage.
Tip: Check the replacement cost or market value to ensure you’re fully compensated!

4. Ignoring Exclusions and Waiting Periods
Most general insurance policies come with exclusions and waiting periods—especially in health and travel insurance. If you’re unaware of these, you might face unexpected claim rejections.
Tip: Double-check when your coverage becomes effective. Especially for pre-existing conditions or specific incidents!

5. Not Reviewing or Updating the Policy Regularly
Life changes—whether it’s buying a new car, renovating your home, or experiencing health changes. Many policyholders forget to update their insurance to reflect these changes.
Tip: Make it a habit to review your insurance policies annually or after major life events. Adjust coverage to match your current needs and ensure you’re not under- or over-insured.

Buying general insurance isn’t just a checkbox—it’s a key part of your financial well-being. Avoiding these common mistakes can help you get the coverage you need, at a value that makes sense, and with the peace of mind that you’re protected when life throws you a curveball. Let us take the hassle out of it…. Chat with us today!

What protection do you need to have in place to have a worry free summer?

Summer’s here—time for garden BBQs, beach escapes, and maybe even a cheeky weekend in the Cotswolds. But while you’re soaking up the sunshine, have you thought about the financial safety nets that help keep life running smoothly, no matter what?

If you want true peace of mind this summer (and beyond), it’s worth making sure you’ve got the right protection in place. Here’s a quick, no-jargon guide to three key types of cover every household should consider. Hit reply-to this email to set up your coverage.

Income Protection

What if an illness or injury meant you couldn’t work for a few months—or longer?

Income protection is designed to replace a percentage of your gross income (typically up to 60–70%) if you’re unable to work due to ill health. It kicks in after a set waiting period and keeps paying out until you return to work, retire, or reach the end of the policy.

Why it matters:

Self-employed? Freelance? Using up all your annual leave? An accident or illness could mean zero income and no backup. Income protection ensures the bills still get paid while you focus on getting better.

Critical Illness Cover

Critical illness cover pays out a lump sum if you’re diagnosed with a serious condition listed in the policy—for example heart attack, stroke, cancer, and others.
You can use the money however you like: pay off your mortgage, cover medical costs, adapt your home, or just take the pressure off your finances during recovery.

Why it matters:

None of us likes to think about life-changing illness—but if it does happen, you’ll be grateful for a financial cushion. Especially when you’ve got holidays booked, kids off school, or plans you don’t want disrupted by financial stress.

Life Insurance

Life insurance pays out a lump sum if you pass away during the policy term. It’s so important if you have dependents, a mortgage, or shared financial responsibilities.

You can choose:

Term life insurance (covers you for a fixed period)
Whole-of-life insurance (covers you for your entire life)
Level, decreasing, or increasing cover (depending on whether you want the payout to stay the same, reduce with your mortgage, or rise with inflation)

It might not feel like summer conversation material—but knowing your loved ones would be financially secure, no matter what, is a huge emotional weight off your shoulders.

Protection doesn’t have to be complicated or expensive. With the right policies in place, you can kick back this summer knowing your income, health, and loved ones are looked after—rain or shine. We are here to help with any queries or questions you might have!

Kingsbridge Insurance Newsletter April 2025

A nine panel photo collage illustrating bespoke financial and mortgage advice. Images include organizing paperwork with a calculator, house keys next to mortgage documents, a couple meeting with an advisor, budgeting tools like a piggy bank and notebook, hands holding a model house, a happy family outdoors, people on phone and computer calls, and a handshake agreement.

We are using the month of April to ‘spring clean’ your finances and insurance needs. Throughout, we reveal why we can offer bespoke advice specially tailored to you. Compare the market websites might be a quick solution. But they won’t provide ongoing support and advice through the whole process. Trust us to use our own ‘compare the market’ and the best part? It’s completely free for you. If you are an introvert who doesn’t like the phone, after our initial consultation, everything can be done via email. And if you are an extrovert, we have great news: we are available to chat whenever you need our advice!

We’ve popped some tips at the end of this email to help you get on track!

In this month’s newsletter:

Recently divorced or separated? Is your insurance up to date?
Expect the unexpected: Critical Illness Protection for the whole family
We ask, is health affected by gender?
A fresh start for your money this spring

Why a specialist can save your mortgage.

In our post-pandemic world, we are seeing lots of changes for the needs of borrowers! Do you need specialist help? Reach out, and we’ll help you get organised and secure your new mortgage!

For those still benefiting from low mortgage rates, many homeowners have chosen to take a second charge rather than remortgage, say for debt consolidation and home improvements.

A second charge mortgage is a loan that is secured against a property that already has a primary mortgage (first charge). If you have a property with a first mortgage, you can take out a second mortgage to access additional funds. But, second charge loans typically have higher interest rates and come with closing costs, which you’ll need to pay upfront when taking out the loan.

You might consider a regular re-mortgage or a re-mortgage with additional borrowing as alternatives to a second mortgage. However, for those with low mortgage rates, many homeowners are choosing to take a second charge rather than remortgage. Using the funds for home extensions or office spaces, which in the long run, will add more value.

Specialist solutions can provide borrowers with flexibility and more options. Specialist lenders adapt, providing finance to match the changing property trends. We can also help borrowers who may be struggling financially. Giving you flexibility and choices.

We are here when you need us. Give us a call today to chat more about your options and the best way to manage your mortgage.

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Recently divorced or separated? is your insurance up to date?

If you’re going through a divorce or separation, updating your insurance policies is a necessary step. We understand it must be a hard time, full of emotions. Let us take the pain out of your insurance needs. If you’d like to take a read through the following and see what applies, give us a call or email and we can manage the rest. A perfect spring-cleaning step for a brighter future.

Private Medical Insurance Check if you’re on a joint policy. If you were covered under your ex-partner’s private medical insurance, you’ll need individual coverage. Let us compare new private health insurance options for you.

Car Insurance If you shared a policy, notify your insurer and set up a separate policy. It’s a good chance to scan the market; your new position may even mean you’ll have access to a cheaper policy. Don’t forget to update ownership and named drivers. Or maybe this is a great chance to buy that new car you’ve always wanted. If you’ve moved house, inform your insurer to ensure the correct premium and coverage.

Home Insurance (Buildings & Contents) If you’re keeping the home, ensure your policy reflects this and update the owner’s details. If your ex-partner has moved out, they should no longer be named on your policy. If you move out, make sure to arrange a new home or renters insurance policy for your new residence. We can help with a new policy for you.

Life Insurance Do you want to change beneficiary? If your ex-spouse was listed as a beneficiary, you may want to update this. If you had a joint mortgage protection policy, you may need to separate it or get new coverage. It’s also a great time to consider income protection or critical illness cover. If you rely on your income alone now, these policies can provide financial security.

Travel Insurance Don’t forget to cancel joint policies if you have a family or couple’s policy. And check pre-booked trips, your insurance may cover changes or cancellations.

Pet Insurance Confirm ownership and policyholder details: If you shared a pet policy, ensure it is transferred to the person keeping the pet.

Let’s get started with the rest of your life… Hit reply-to, and we’ll help you get organised.

Expect the unexpected: Critical illness cover for the whole family.

Trigger warning: losing a child, stillbirth

Did you know Critical Illness Protection is important for the whole family? Not just the main earner? For example, we consider one heartbreaking example of why you should have a Critical Illness Policy in place for everyone in the family…

Losing a child is a devastating tragedy with unimaginable grief. Amidst this traumatic event, parents strive to provide their child with a deserving funeral without the added worry of financial constraints.

Did you know some providers of critical illness insurance offer funeral cover for children as part of their policies? It’s a horrible thing to consider, but we can make sure you have this cover in place, so hopefully, you never have to think about it again.

It is worth noting that clients in England, Wales or Scotland will not be charged fees for a standard burial or cremation for children under the age of 18, including stillborn babies. However, you will need to outlay these costs and then reclaim them. Either directly or through the funeral director. There is also a time limit to claim – up to six months after the funeral.

The government does not cover funeral director fees, flowers and a memorial. But those on low incomes may be able to get extra support from the government’s Funeral Expenses Payment. If you aren’t eligible for this, you will need to pay for the extras yourself.

All insurers offering children’s critical illness cover (either automatically or as an optional extra) include some form of child funeral/death benefit. This is aimed at helping contribute towards the cost of a funeral. The monetary amount that will be paid is either a £5,000 or £10,000 lump sum, depending on the insurer.

Let us organise your critical illness, income protection, and life insurance in one easy-to-manage payment. To take away some of the stresses of life and allow you to grieve without worrying about finances.

Your monthly equity release update.

New research shows that people over the age of 55 are increasingly choosing to release equity in their homes to release funds for purchases like luxury holidays. We are seeing equity release loans taken out in the UK more than doubled during a ten-year period.

Are you looking to take the holiday of a lifetime while you still can? If you’d prefer to not use unsecured debt or savings, chat with us today about equity release and lifetime mortgages.

Equity release allows homeowners to borrow cash against money tied up in their properties, with the loan amount plus interest, including any roll-up interest, being repaid when they die or move into a care home. The remainder of the equity is typically then either spent on care home fees or inherited by family in the event they pass away.

The research suggests that more people are turning to the equity in their homes to fund once-in-a-lifetime trips. As well as paying for improvements to their properties, or to help loved ones purchase their first home. Are you considering any of these? Could we help you secure an equity release?

A common reason for equity release is taking that dream holiday you’ve always wanted to take. But we also see equity release for our clients who want to maintain the quality of life they enjoyed during their working lives. Plus, release funds to adapt their homes for their increasing special needs as they grow older.

Do you need some advice or more equity release news? Give us a call today and we can go through all the details with you!

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

We ask is health affected by gender?

Are you looking for a health insurance policy? We’ve looked at the research and there are some differences to keep in mind depending on your gender. One study by Vitality noticed that less than 25% of women hit their exercise target. Whereas more men in the workplace are calling for increased mental health support.

Let’s dive in!

Insurer Vitality has published a report into women’s physical activity and health, which shows that 23% of women complete the recommended 150 minutes of moderate exercise per week. The provider broke this down by age group, finding that 20% of women aged 20-39, 27% aged 40-59, and 23% aged 60-79 reached the 150-minute goal. Time constraints and demanding work schedules negatively impacted the exercise. But women with childcare responsibilities are affected the most.

Do you need help finding a policy that will get you active? Get in touch today. Many insurers offer motivations like gym membership and smartwatches to help track your movements. It’s never been easier to get fit!

In turn, men are calling for increased mental health support. Surveying over 8,000 UK adults, the Bupa Wellbeing Index found the primary factor impacting men’s mental health was lack of self-confidence (27%). Traumatic life events (25%), unhappiness in their job (20%), and relationship problems (21%) also come into play. Most do not know where to turn for help.

Less than half of men who have struggled with their mental health have sought medical advice. Others have confided in their partner (30%), family (26%), or friends (24%). Around 37% admitted to hiding mental health issues from their partners at home.

There are signs that someone might be struggling with their mental health, such as feeling low, being more worried than usual and having trouble sleeping. Men might also display other signs such as being irritable, aggressive, having sudden bursts of anger, losing control or taking more risks.

Let’s find you a health insurance that will support your mental health. We have many packages covering therapy — and it’s all confidential. You don’t have to suffer in silence.

A fresh start for your money this spring.

Let’s get a bit cheesy this month with this very catchy phrase: “Spring Cleaning Your Finances—A Fresh Start for Your Money.” But research shows most British adults do not have enough savings. As we hopefully feel slightly warm temps, and the days are getting longer, spring offers the perfect opportunity for a fresh start. Not just for your home, but for your finances too.

Here are some fun and easy tips to help you review your budgets, cut unnecessary expenses, and set new financial goals.

Dust Off Your Budget Review your income and expenses to see if your current spending habits align with your financial goals. Look for areas where you might be overspending and identify ways to cut back.

Declutter Unnecessary Expenses Subscriptions and memberships have a way of piling up. Review all your recurring charges—streaming services, gym memberships, or forgotten app subscriptions.

Organise Your Debt Repayment Strategy If you have outstanding debts, now is the time to reassess your repayment plan. Refinancing or consolidating debt might also be a good option to lower interest rates and streamline payments.

Refresh Your Savings Goals Whether you’re saving for a home, a vacation, or an emergency fund, revisit your savings goals to ensure they align with your current financial situation.

Review and Optimise Investments Spring is a great time to check in on your investments. Review your portfolio to ensure it remains diversified and aligned with your risk tolerance and long-term goals.

Shred Old Financial Documents Safely dispose of outdated bills and statements and consider switching to digital records to keep things organised and secure.

Check Your Credit Report Track down a free copy of your credit report and check for errors or fraudulent activity. If your score needs improvement, focus on paying down debt and making timely payments.

Adjust Insurance Life changes, and so do your financial needs. Review your insurance policies—health, home, car, and life—to ensure you have adequate coverage.

Spring is a season of renewal, and your finances deserve the same attention as your home. So, grab a metaphorical broom and start sweeping away financial clutter today! Do you need extra advice? Contact us and let’s see how we can help!

Kingsbridge Insurance Newsletter March 2025

A photo collage illustrating diverse living and working situations, featuring scenes of a couple with new house keys, remote working in a cafe and on a patio, an older couple gardening, growing savings, family life, and a small business owner in a florist shop.

This month, we are taking a closer look at those working outside the routines of the typical working week. Self-employed, almost retired, or between jobs—how does this track for insurance? Even with a regular income, this month, our newsletters will help you find more financial security. Providing a wealth of knowledge for all!

To get started, we’ll go through what income protection and critical illness cover is available. What health insurance policy could help ensure you are ready to work. We explore insurances you might need if you work from home or have a business. We’ve asked our self-employed clients and peers for some bonus tips. To stay on top of your finances when you don’t have a regular income.

Keep reading to find out more. Don’t forget, using an advisor can help to take the hassle out of your insurance needs. Contact us for personalised advice just for you and thank you using our team.

In this month’s newsletter:

Working from home or running your business from home? Don’t forget your insurance
Safeguarding your income with these protection policies
Look after your health to ensure you are ready to work
Self-employed? How to stay on top of your finances

Working from home or running your business from home? Don’t forget your insurance.

Maybe you’ve spent a bit of time putting together your business. Now everything is going well, you wouldn’t want something unexpected to get in the way? This is where insurance can help. Of course, we are big believers in setting up these support systems.

If you’re self-employed in the UK, building and contents insurance is critical to protect your assets! Especially if you work from home, own your business premises, or store valuable equipment. We’ll explain why down below:

Buildings Insurance (If You Own a Property)

Building Insurance covers the cost of repairing or rebuilding your home/business premises. Including damage by fire, flood, storms, vandalism, or structural damage. It’s a mortgage requirement, as most require it.

But, you’ll need to let your provider know if you work from home. Damage to your home that you can’t afford to fix could affect both your business and personal life.

Contents Insurance (For Home & Business Equipment)

This will cover personal and business items. From theft, fire, and water damage. Plus, as an optional extra, accidental damage. Could you afford to replace all your work equipment? What about expensive tools, laptops and computers? Or hairdressing and beauty equipment, or specialised technology?

It’s important to declare anything you couldn’t afford to replace. Regular home insurance may not cover business-related items.

Don’t forget client and work coverage. If you keep client files, stock, or business documents at home. Contents insurance can help recover losses.

Additional Cover to Consider

Business Equipment Insurance: Protects work-related devices (cameras, laptops, tools). This extends outside your home.
Public Liability Insurance: If clients visit your home, this covers injuries or damage claims.
Business Interruption Insurance: Covers loss of income if your home/workspace becomes unusable.

Would you like recommendations on specialist insurers for the self-employed?

Give us a call for more detailed information specific to your work. From hairdressers, beauticians, builders and plumbers. To IT consultants, mortgage brokers, and freelance writers.

We can help!

Safeguarding your income with these protection policies

If you’re self-employed in the UK, income protection and critical illness cover are extra critical. You don’t have the safety nets that employees do. Like statutory sick pay (SSP), employer sick leave, or workplace health benefits. But of course, no matter your employment status, income protection and critical illness cover add extra support when you need it most.

Here are some reasons to consider taking out extra policies this year:

No Sick Pay or Employer Benefits.
If you fall ill or have an accident, you won’t receive SSP. (Currently £116.75 per week, only if you qualify for Universal Credit or Employment Support Allowance). Unlike salaried employees, you won’t have workplace income protection, private healthcare, or death-in-service benefits.

Cover for Long-Term Illness or Injury.
Income Protection Insurance replaces a portion (typically 50-70%) of your gross income if you’re unable to work due to illness or injury. Helping you cover bills, rent/mortgage, and living costs. Critical Illness Cover pays a lump sum if you’re diagnosed with a serious illness. Like cancer, stroke, or heart attack. Helping with medical costs, mortgage repayments, or lifestyle adjustments.

Stability for Your Business & Family.
If you’re self-employed, your business depends on you. A long-term illness or accident could mean a loss of clients, contracts, and income. If you have a family or dependants, these policies provide financial support when you can’t work.

Mortgage & Debt Protection.
Many self-employed people rely on business loans, personal credit, or a mortgage. Income protection ensures you can keep up with repayments if you can’t return to your usual role.

Peace of Mind & Flexibility.
Private insurance gives reliable financial support and tailors to your needs. Some policies allow you to adjust cover based on fluctuating income.

Which One Do You Need?

Income Protection: Best for covering everyday living costs if you can’t work for an extended period.
Critical Illness Cover: Best for a lump sum payout in case of a life-altering illness.

For full protection, many self-employed people combine both. Ensuring financial stability for the unexpected.

Would you like advice on choosing a policy that fits your situation? We can help you find one specific to your needs. Give us a call today!

Look after your health to ensure you are ready to work

While we are so lucky in the UK that private health insurance isn’t required. The NHS provides free healthcare for all. But you may want to look into private health insurance for a couple of reasons. It’s a nice bonus to the NHS — with shorter wait times and better flexibility. Essential for the self-employed!

Of course, whether self-employed or not, maintaining your health is always important. As is valuing your time. Keep reading to discover how private health insurance can help you.

The NHS can have long waiting times for non-urgent treatments or certain specialists. But, private health insurance can provide quicker access to medical care. This is sometimes the deal breaker for our clients! Meaning you can avoid long waiting lists for surgeries, consultations, or diagnostic tests.

Plus, did you know you could choose your healthcare providers (e.g., which hospital or specialist you see)? You’ll have more comfortable accommodations during treatment (private rooms, etc.). Some really value this additional comfort and convenience that private care provides. It’s a great bonus when you are feeling unwell and need more support.

It can often provide access to treatments and services not available through the NHS. Such as certain therapies and treatments abroad. Or specific types of care that may not be covered under the NHS.

Plans can also include dental care and optician services. Which aren’t covered by the NHS except for emergency dental care or essential optical services.

Health insurance can offer you flexibility when it comes to treatment times and locations. This might be extra appealing if you have a busy work schedule! Do you need medical appointments at times that fit around your business?

So, while we are very grateful for the NHS. And private health insurance isn’t strictly necessary as a self-employed person in the UK. But the benefit for your peace of mind and quicker access to healthcare is so helpful. If you’re considering it, weigh the costs against the benefits. Question what your time is worth to the business.

Do you have health insurance, or are you considering getting a policy? We’d love to hear more about what features you’d love to see in your PMI policy. Do you have time to reply and give us more info? We can get it tailored directly for you!

Self-employed? How to stay on top of your finances

Managing money and bills self-employed can feel like a juggling act. Especially since you don’t have steady pay or the automatic deductions for things like taxes and national insurance.

However, with the right systems in place, you can stay on top of your finances and ensure everything is paid on time. Here are some tips we’ve loved that can help take the hassle out of bills and finances. (Feel free to print this and use it as a checklist!)

Set Up a Separate Business Bank Account

We recommend separating your business finances from your personal ones. This makes it easier to track income and expenses. Make sure you track all your income to know how much tax to pay at the end of the year.

Use Accounting Software or Spreadsheets

This can help track income, expenses, and VAT (if you’re VAT-registered). Many of these tools also let you automate invoicing and reminders. If you’re more comfortable with spreadsheets, create a system to log income and expenses.

Set Money Aside for Tax

Unlike a regular job, income tax and National Insurance contributions (NICs) are not automatically deducted from your earnings. You could open a separate tax savings account for a percentage of your earnings. Ensuring you have the money available when it’s time to pay your taxes.

Track Business Expenses

You can claim business-related expenses to reduce your taxable income. So keep all your receipts and invoices in case you need to prove them to HMRC. Accounting software can help categorise and track expenses automatically. Or you can log them in a spreadsheet.

Invoice Promptly & Keep Track of Payments

You can use templates or invoicing software to create clear, professional invoices. Include your business details, a breakdown of the work, payment terms, and bank details. Don’t be afraid to chase overdue payments with gentle reminders. Or more formal follow-ups. Keeping cash flow healthy is crucial!

Emergency Fund & Savings

Saving around 3-6 months living expenses can help cover unexpected costs. Or if you have short periods when income is lower than usual. Consider using a high-interest savings account to help your money grow. Income protection, critical illness cover, and private health insurance can provide an extra safety net.

Consider Pension & Retirement Planning

If you don’t have access to a workplace pension, you’ll need to set up a private pension. The Self-Invested Personal Pension (SIPP) is a good option for many self-employed individuals. Allowing you to contribute directly to your pension fund. Chat to your accountant about tax relief on your pension contributions. A great incentive to save for the future.

If you’re ever unsure about anything tax-related, it’s always worth speaking to an accountant or financial advisor. Is there a specific area you’re finding tricky to manage? Like invoicing or taxes, or are you just starting to build these habits? We’d love to chat and see where we could help.

A Guide to Protection

Most of us are aware that there are policies available that provide life insurance, protect us in the event of a critical illness, pay-out if we had an accident and were unable to work, and can protect our home and possessions. However, with so many different types of policy available in the market place it can be hard to know which one is right for your circumstances and offers the best value for money. This guide is designed to help you understand some of the policies. We’ll explain a little about how the different types of cover work.

Providing Financial peace of mind for you and your family

We all want to do the best for our families, and keep them properly protected – however, you want to be sure you have all basis covered in case the unexpected happens.

Life Insurance

If you were to die, how much money would your family have to live on? Many families would find themselves running short of money very quickly. Your salary would stop, but the household bills would keep coming in. A pay-out from a policy could make the difference between your loved ones facing a financial struggle at a challenging and emotional period in their lives, and being able to maintain the sort of lifestyle they enjoyed when you were still around. Life insurance is cover you take out for a set number of years. You agree the term of the policy at the outset, usually between 10 and 25 years. That’s why you’ll often find this type of policy referred to as term insurance. Most people tailor their policy to ensure that their financial commitments would be met in the event of their death, so policies are often aligned with the term of a mortgage or other loan. Banks and building societies usually require some form of life insurance as a condition of granting a mortgage.

Protection Insurance

There are many types of policy that can help take care in protecting and providing for the financial needs of you and your family in case your circumstances change drastically. Here are the main ones:

Mortgage Payment Protection

Mortgage payment protection policies are designed to cover the cost of your mortgage payments if you’re sick, have an accident or become unemployed and can’t work. Generally, the policy will start paying out either 31 or 60 days after you are unable to work. Most policies will payout for a maximum of one year. The amount payable under the policy is usually around £1,500 to £2,000 maximum per month. So, if you have a large mortgage, you will need to consider how you would cover any shortfall.

Income Protection

This type of policy pays a monthly income tax-free if you are unable to work due to an illness or injury. The monthly income under the policy will be between 50 and 70 per cent of your salary and will be paid until you are fit enough to return to work or reach retirement age.

Critical Illness Cover

Critical illness cover pays out a tax-free lump sum if you are diagnosed with a major illness, including cancer and heart disease. Actual illnesses covered in a policy may vary between providers. Many insurers will make a part payment on an early-stage diagnosis of a condition specified in the policy, the percentage will vary from company to company. Many people buy a combined life and critical illness policy, and it makes sense to do so. In this case, a payment would be made on either diagnosis of a critical illness as defined in the policy, or death, whichever is the sooner. If the cover is combined in this way, the policy premium is usually cheaper than it would be for separate policies, as there is only ever one lump sum paid out by the insurance company.*

Family Income Benefit

Family income benefit policies work in a similar way to ordinary life cover, but instead of a lump sum, the policy pays out a regular income if you die. A typical policy might be taken out by the parents of young children, so that if one parent were to die during the term of the policy, then an income would be paid out for a predetermined period of time. So, if you had a 20-year policy and were to die five years into it, then the policy would pay-out a regular income for the remaining 15 years. Family income benefit insurance is a simple way to provide your family with an ongoing income rather than a lump sum if you were to die. Critical illness can also be added that would provide a pay-out if one of the parents were to be diagnosed with a serious illness.*

Accident, Sickness and Unemployment

This policy provides cover so that if you are unable to work because you’re injured or sick, or through no fault of your own, you have lost your job. In the event of a claim, you will receive a predetermined percentage of your monthly income, usually for a period of up to 12 months. Payments are made after a waiting period of at least a month. If you choose a longer waiting period, your premiums are likely to be lower. This cover differs from mortgage payment protection which is designed specifically to cover your repayments on a specific debt such as your mortgage. It differs from income protection insurance in that it includes unemployment cover.* As you can see, there is a range of different insurance cover available design to protect you and your loved ones in from unforeseen events. We would always advise you to speak with a qualified insurance advisor such as ourselves when deciding which policy is right for you and your family.

Assessing your Needs

Our advisors will take their time to talk through the policies and find out all about you and your life and circumstances. You will be required to disclose all information relevant to the policy you choose, but our advisor will talk you carefully through the process and help you fill out the forms, explaining everything you need to know in plain English. We can give you advice on the right protection cover for you and, if you decide to go ahead, arrange this for you giving you one less thing to worry about.

Category: News

In this month’s newsletter:

Is it time for a policy review?

Smart insurance planning over a lifetime.

Insurance that works harder!

In this month’s newsletter:

When Might an Insurer Not Pay a Claim?

Life Cover Isn’t a Nice Option to Have; It's Essential.

In this month’s newsletter:

Buildings & Contents Insurance Has Your Back.

Understanding Protection vs Insurance: What’s the Difference?

Health Insurance Isn’t Just for Emergencies.

In this month’s newsletter:

2025 Market Watch.

How did critical illness cover support this self-employed single mom.

From renting to retirement, how do your insurance needs change through life.

In this month’s newsletter:

Don't let a bargain policy leave you uncovered.

Not all income protection is equal - here's why.

Can your health cover help you get fitter?

Stay calm and financially resilient.

In this month’s newsletter:

Insuring a heritage or listed building?

How to use equity release as you get older.

Avoid NHS waiting times with private medical insurance.

How can a critical illness insurance policy help with NHS waiting lists?

In this month’s newsletter:

Avoid these mistakes when buying insurance.

What protection do you need to have in place to have a worry free summer?

In this month’s newsletter:

Why a specialist can save your mortgage.

Recently divorced or separated? is your insurance up to date?

Expect the unexpected: Critical illness cover for the whole family.

Your monthly equity release update.

We ask is health affected by gender?

A fresh start for your money this spring.

In this month’s newsletter:

Working from home or running your business from home? Don’t forget your insurance.

Safeguarding your income with these protection policies

Look after your health to ensure you are ready to work

Self-employed? How to stay on top of your finances

Providing Financial peace of mind for you and your family

Life Insurance

Protection Insurance

Mortgage Payment Protection

Income Protection

Critical Illness Cover

Family Income Benefit

Accident, Sickness and Unemployment

Assessing your Needs

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