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Insurance

We would like you to have a long and healthy life, however unfortunate events can occur. At Equity 55 we can provide research and advice on a range of insurance policies. We want you to be protected with a financial war chest ready to take on life's challenges should you fall ill.

 

Protect yourself and your family financially against;

  • Accident

  • Disability

  • Critical Illness or Serious Illness

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Any of the above scenarios can seriously impact your ability to earn a income with the right insurance you could put financial safeguards in place, which provide a cash payout allowing you to meet day to day living costs and additional rehabilitation expenses. This means you will not become reliant on the state and you can choose to live your life your way. Leaving you to focus your efforts on making a full recovery.   

When taking out a mortgage, the death of one borrower can make payments unaffordable for the remaining parties. Therefore we would recommend taking out life insurance to cover the mortgage. Life insurance can also be used to leave a legacy it doesn't necessarily have to be used for a paying off the mortgage. So even if living in a rented property or mortgage free you can still leave a cash legacy with life insurance to your loved ones to ensure there financial needs are taken care of.

We can create a bespoke solution, cover can include;

  • Life Insurance

  • Income Protection

  • Unemployment Cover

  • Family Income Benefit

  • Critical and Serious Illness Cover

Why use a broker for insurance and not the comparison sites.

Comparison sites are known in the industry as “aggregators” they often offer slimmed down policies from providers.

These slimmed down products can seem cheaper initially but could remove features that you would get as standard if taking a policy from the same provider through a broker.

You may actually end up paying more, when adding on extra features that you would get as standard if using a protection broker.

Remember comparison sites are just showing you prices, not advising you on the best product that may be suitable for your individual needs.

Advised and tailored – polices offered by Equity 55 are on a advised basis there tailored to your individual needs and set up correctly by a professionally qualified expert. Increasing the likelihood of your claim being successful should you need to make a claim. This is a much better option as opposed to taking a DIY "Do it Yourself" approach on a comparison site.

A broker will be able to explain the positives and potential negatives of a provider or product and make a personal recommendation. Therefore allowing you to make a informed decision, not just showing you a list of product prices.   

Why use Equity 55 for your personal insurance needs

Our protection cover is sourced from the whole of market and advised with non-loaded premiums.

You may be asking what is a loaded or non-loaded premium, some other brokerage firms add a extra percentage onto to the insurance premium to boost their commission received from the provider, hence the term "loaded premium".

 

At Equity 55 we do not carry out this practice as we believe it is unethical and work on a "non-loaded premium basis". This means we will only receive a standard commission amount not a enhanced or boosted amount from the insurance provider.

For transparency we will provide the exact amount received from the insurance provider on the illustration document.

Contact us today to arrange a free gap analysis - we will assess your current level of cover if any, establish any shortfalls and recommend a bespoke cost effective solution.

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