INSURANCE & PROTECTION

 

Insurance & Protection ​

You might ask yourself – do I really need insurance?

If you have a mortgage or dependants that rely on your income insurance offers them protection and security. You get peace of mind knowing they will have support should something happen to you. If your house suffers damage or you are the victim of theft, the costs you can be faced with can be huge. Having insurance means you will be able to claim to get the issues sorted and items replaced. 

Insurance is a minefield, and we can help you navigate through and find the best policies for you.

Making sure you are covered when life throws a curveball is vital.

 

Cruze Financial Solutions offer Insurance products from the whole of the market and have access to every provider. We aim to work with you to find the best value cover in the marketplace. 

 

 Why use us for your insurance requirements?

 

We have extensive knowledge of insurer's cover levels, benefits and claim history to ensure your cover is right for your circumstances.

 

We offer advice on –

  • Life insurance

  • Illness Insurance including income protection and critical illness cover

  • Private medical insurance 

  • Building Insurance

  • Contents Insurance

 

Some insurance companies will not cover certain medical conditions. When you use Cruze Financial Solutions, we will check the policy's terms and conditions for you. We will make sure any insurance policy meets with your requirements and that the premiums are cost-effective. 

 

 Life Insurance Cover 

 

Whole of Life

As long as the premiums are maintained this type of policy will pay out an agreed sum, whenever you die.

 

Term of Life 

This type of insurance policy will run for a fixed term which you decided. This might be anywhere between 5 to 25 years.

There's no lump sum payable at the end of the policy term it only pays out if you die,

 

Decreasing term 

Ideal for working alongside a repayment mortgage, As the mortgage reduces so does the payout. 

 

Some policies include a terminal benefit which means should you be diagnosed with a terminal illness you can claim the payout then. 

Peace of mind can cost just a few pence a day.

 

What affects the price of your premium?

Insurance companies will need to know.

  • Your date of birth

  • Your medical history

  • Details about your lifestyle. This will include questions about smoking, alcohol consumption and fitness levels. 

The price will also be determined by your age at the commencement of your policy, how long you want the cover, and the amount you want to be insured. 

We will work with you to determine how much cover you should consider and for what period. 

 

Critical Illness cover 

No one knows what will happen in life and having critical illness cover can reassure you that in the event you develop a condition and can no longer work, you will still have an income.

Call us to discuss the options regarding critical illness cover. All client's circumstances are different, and we will investigate the best options for you.

 

Private Medical Insurance

Often there are long waits on the NHS to see a specialist and require surgery or treatment.

Private medical insurance covers mean you may get seen quicker, this, of course, is not always the case, if you need medical treatment. Plus, you will have access to a private room when admitted to hospital.

Discuss your requirements with us, and we will advise you on the available options and discuss the pros and cons of private medical insurance.

 

Building and Contents Insurance

Buying a house and filling it with your prized possessions is one of the most expensive purchases you will ever make in your lifetime.

Having building insurance is compulsory if buying your home with a mortgage. If your home is destroyed or damaged due to a flood, fire, subsidence, or any accidental damage, your policy will cover the cost of rebuilding the property. 

 

Your policy must cover sufficiently the cost of rebuilding the property. We will ensure your policy meets these requirements and that the mortgage lender approves.

 

Content insurance will cover your possessions inside in the property from damage and theft and is not compulsory but advisable.

Insurance companies offer accidental damage and standard policies, and we would determine the best cover for your needs and budget.

 

As with any financial product, its important to understand the terms and conditions. When you choose Cruze, we will ensure your cover requirements are met according to the information supplied and help you to understand what is and is not covered on your policy.

 

 

Life is full of surprises, and not all of them good ones. Having adequate protection to support you and your family in times of need can make a difficult situation more manageable.

 

Talk to us about your insurance needs, and we can help you get the right amount of cover at a competitive price.