Helpline: 07939 650906
Clear, cost-effective and personalised mortgage and protection advice
Call me on 07939 650906 for a good old-fashioned chat. You might find that getting some cover that you need in place is not as expensive as you think. I promise to work around your budget whatever that monthly amount might be. After all, you have to pay for it so the monthly cost has to be manageable.
I don’t charge a broker fee where the loan amount is greater than £125,000. Where the loan amount is £125,000 or less, I will charge a broker fee of between £199 and £399, payable on application. The amount I will charge is dependent on the amount of research and administration that is required.
Below is a summary of various products, which protect against the questions on the left.
I can advise on how to protect you and your family against future eventualities. Life Insurance can provide your loved ones with the appropriate Financial Protection against your death.
I can provide you with access to a select range of Life Insurance Providers and will conduct extensive research from a panel of providers to offer you the cover you need at a competitive price.
Critical Illness Cover
As its name suggests, Critical Illness cover pays out a lump sum if you are diagnosed with a critical illness – this includes cancer, heart attacks and strokes.
Family Income Benefit
Family income benefit insures against life or life and critical illness. Instead of receiving a lump sum, it pays a monthly income if the policyholder dies or is diagnosed with a critical illness whilst the policy is in force. The monthly income will continue at the level specified in the policy until the policy's termination date.
Income protection can provide a monthly income if you are diagnosed with an illness that may not be “critical” but is severe enough to stop you going to work for a lengthy period. Psychological disorders and musculo-skeletal disorders are good examples of when Income Protection policies can pay out.
Will the state help, if the worst was to happen?
- When was the last time you reviewed your cover?
- Have you got enough life insurance in place?
- Have you got any life insurance in place?
- Is it just the mortgage I have covered? What about the other bills?
- Would my family survive financially if I suffered a critical illness?
- What if I were unable to work for a long period of time? Then what?
- Can I afford this insurance policy? Can I afford not to have this policy?
Your home may be repossessed if you do not keep up repayments on your mortgage*
Below is a list of “horrible” questions we should all ask ourselves. The list of course is not exhaustive.
FD Financial is a trading name of Frank Damiani Limited, an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is an Appointed Representative of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority. Frank Damiani Ltd is registered in England with Company Number 09801937.Registered address:47 Barmoor Drive, Newcastle Upon Tyne, NE3 5RE