Protect What Matters Most

Why Protection Matters

Life does not always go exactly to plan. Illness, injury or unexpected events can place financial pressure on households.

Protection policies are designed to provide financial support if something happens that affects your ability to work, pay your mortgage or support your family.

Advice from KG Financial focuses on helping you understand the different options available so you can make informed decisions about the cover that is right for you.

Buildings Insurance

Buildings insurance covers the structure of a property including walls, roof, floors and permanent fixtures such as kitchens and bathrooms.

It protects against risks such as fire, flood, storms or subsidence and helps cover the cost of repairing or rebuilding the property if it is damaged.

Mortgage lenders will normally require buildings insurance to be in place from exchange of contracts.

Contents Insurance

Contents insurance covers personal belongings inside the home such as furniture, electronics, clothing and valuables.

It protects against risks including theft, fire and accidental damage and can help repair or replace items if something goes wrong.

Policies can often be tailored to include higher value items or additional cover for belongings taken outside the home.

Life Insurance

Life insurance pays a lump sum if the person covered passes away during the policy term.

Many people arrange life insurance to help repay a mortgage, support their family financially or provide security for loved ones.

Critical Illness Cover

Critical illness cover pays a lump sum if the person covered is diagnosed with one of the serious illnesses specified in the policy.

This can help cover mortgage payments, household bills, treatment costs or time away from work while recovering.

Income Protection

Income protection provides a monthly income if the client is unable to work due to illness or injury.

The policy is designed to help cover regular living costs until the client returns to work or reaches the end of the policy term.

Family Income Benefit

Family income benefit pays a regular monthly income to the family if the person covered passes away during the policy term.

Instead of a lump sum, this ongoing payment can help replace lost income and support dependants over time.

Personal Advice

Every client has different priorities, financial commitments and family circumstances.

Protection advice at KG Financial focuses on helping you understand the options available so you can choose cover that fits your needs.

Speak to KG Financial

If you would like to discuss a mortgage, remortgage or protection advice, you can book a call at a time that suits you.

Phone

07538 284124

Email

katherine@kgfinancial.co.uk