House 2 House Finance and Insurance offers many types of insurance policies, we are able to obtain some of the cheapest insurance premiums and are happy to provide life insurance quotes without obligation.

Personal Insurance Policies can be arrange for a variety of reasons, often an individuals role within the family is vital and therefore an Insurance Policy  is needed to protect that role. This can be due to the income they provide or due to the role they play with in the family.

If one of the individuals in your relationship manges the home and the family, how would the family cope if that individual were no longer able to fulfil this function.  Life Insurance or perhaps Life Insurance with critical illness may be the policy you need to protect them. 

Would the bread winner in your family have to give up work to look after an ill member of the immediate family?  Having an Insurance Policy such as a critical illness or  income protection (PHI) to support them could be vital to them.

There are many factors that need to be considered when assessing protection needs, such as the liabilities an individual has.

House 2 House Finance and Insurance is based in London and we only use  the best and most respected for critical illness, Income protection and Life Insurance such as Norwich Union, Bright Grey, Bupa, LV (Liverpool and Victoria), Scottish Provident. 

Being based in London give us the distinct advantage that we help people from a variety of backgrounds and with different needs and budgets.
 
Here is some information on the Insurance Policies House 2 House Finance and Insurance can arrange, along with some general information about typical Insurance policies House 2 House Finance and Insurance can arrange.  All insurance quotes are given free and without obligation.

Permanent Health Insurance (PHI)


Permanent Health Insurance (PHI) or Income Protection as it is sometimes known pays a tax free amount each month, should you be unable to work through illness. Permanent Health Insurance can be used by house wives or husbands.  Permanent Health Insurance  or Income Protection enables you to pay for someone to do the jobs they will not be able to do should illness strike. A variety of ailments are covered within a Income Protection policy and there is not a limit to the number of times you can claim. Permanent Health Insurance (PHI) or Income Protection is only underwritten once. 

Often families have PHI cover to ensure they have sufficient income to look after family.  Once the family is no longer dependent then these income protection schemes are often reviewed in line with the change in family circumstances.

You can find lower premiums for income protection policies here at House 2 House.  We have access to some of the most competitive and complete PHI schemes available.  If you would like a Permanent Health Insurance quote please contact us and we will be happy to supply this to you. 

Life Insurance can be arranged with income protection built in.

Critical Illness
 
Critical Illness Policies pay on diagnoses of critical illness as defined by the insurance provider, this is regardless of the treatment plan.   As with many Insurance policies there are variety of critical Illness policies in the market place, they are not all be the same. As with a lot of services and products cheapest is not always best and that very much applies to a critical illness policies.

Good Critical Illness Policies offer protection against a long list of illnesses and will ensure that your family is protected should you be diagnosed with an illness that is defined as critical. 

Clearly developing a potentially Critical Illness would be hard enough for any family  to contend with, but finding the critical illness policy you have is in adequate and does not cover your illness could have a devastating effect on your ability to remain in your home or the kind of care you or your family member that is protected by the policy will receive.

A Critical illness policy is typically used to settle the mortgage debt or to give you a lump sum that can be used towards the care that you may need and often families combine Life Insurance with Critical Illness Policy. 


Life Cover

Life Insurance pays on death a set amount. Straight forward life cover is easy to arrange and is often one of simplest ways that individuals choose to protect their family. More often then not people are under insured.  This may because they do not regularly review their Life Insurance.   Sometime failure to calculate the true cost to the family if a life is lost or how inflation can eat away at the Life Insurance Policy.  For example If you had  a mortgage debt of £250 000, a young family where only one parent is working and Life Insurance was only for the mortgage amount how would the family maintain their life style with out a capitol lump sum.  Life Insurance can provide the extra amount need to provide childcare and maintain a higher standard of living.

Life Insurance can be arranged with Critical Illness and Income Protection.

Buildings and Contents

Buildings and Contents Insurance simply protects your house and its contents. With Building and Contents insurance it is important to ensure you have adequate cover in place as  you may find that when you claim your Insurance Provider will average. This means that if you are under insured by 20% your claim may be settled at 20% less.

Mortgage Protection (MPPI)

Mortgage Protection or MPPI, insures your mortgage payments only.  It is often offered by mortgage providers.

This policy (MPPI) can be cost effective for certain people who require cover, including first time buyers and elderly, although for many there may be better insurance policies. 

Accident Sickness or redundancy (ASU)

This policy covers against accident sickness and redundancy or ASU as it is more commonly known, normally has a defered period and pays out for a set period of time.  Normally an ASU policy would only pay for 12 months, but this can be for 24. 

When ASU policies are compared to other insurances and the cost of other insurances it often does not compare favourably but for many people they are a good way of protecting their family in the short term.

There is also limited medical underwriting which will clearly suit some people.


House 2 House Finance and Insurance can companies that wish to implement group policies and companies should to discuss their needs in greater detail.

House 2 House Finance & Insurance is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Services Authority.

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