Insurance Advice
Protection for you and your family if the worst were to happen.
The internet is not a secure medium and the privacy of your data cannot be guaranteed. Your details will not be stored on our database and therefore will not be used for marketing purposes.
Insurance Products & Services
Life Cover
For mortgages this can be arranged on both a decreasing term basis, designed for protecting repayment mortgages, and on a level term basis where your balance does not reduce (interest only mortgages). Decreasing term insurance is a life insurance plan that decreases over the life of the policy at a predetermined rate. It is generally used to protect a Mortgage or debt. We also offer advice on plans that help to protect you and your family in a range of circumstances- plans that will help keep safe what’s precious to you.
Critical Illness Cover
1 in 2 people will develop some form of cancer during their lifetime. In the UK, the 4 most common types of cancer are:
(Data from NHS.UK- Last updated 13th October 2022)
Income Protection
This is one of the most important forms of Insurance as it makes sure you have a continuing income if you are off due to long term illness. It is based on your Salary as a percentage and can be in place for the rest of your working life.
Normally up to 70% of your earned income can be protected.
Business Protection
Whether you are a Sole Trader, Partnership or LTD Company we are able to advise you on the right type of insurance for you and your business.
Accident Sickness Cover
In difficult times, you need protection you can rely on to keep your home secure. Mortgage Payment Protection insurance products offer you the protection you need if you have an accident or become ill.
Home Insurance
All lenders require you to have a minimum of Buildings Cover. Let us quote you for both Building and Contents cover through our panel.
Speciality Insurance
We have links with a specialist panel of General Insurers through Towergate, Bluedrop Paymentshield & Stackhouse Poland – should you be unable to obtain buildings insurance for your home. They can also help with your business protection requirements. Let us know your requirements so we can get a competitive quote for you.
Protection Calculator
We all hear news of a friend or a relative who
- is off work for a few months, or
- has been diagnosed with a serious illness, or
- has unexpectedly died.
It’s shocking and all the more difficult to imagine it happening to us.
What are your chances?
Enter just a few personal details here to see the Protection Calculator results for you.
Find out what life may have in store for you…
We all hear news of a friend or a relative who
is off work for a few months, or
has been diagnosed with a serious illness, or
has unexpectedly died
It’s shocking and all the more difficult to imagine it happening to us.
What are your chances?
Enter just a few personal details to see the Protection Calculator results for you.
The results will give you a rough idea of the chances of one of the stated events happening before your chosen retirement age.
Considering life insurance?
What is it that keeps your possessions, family, home and lifestyle safe? – your income. If you die, the last thing you’d want would be to leave your family facing financial difficulties. That’s why life insurance is so important. But having a cash sum to pay off the mortgage or provide your family with an income is only half the story.
You can also use life insurance for inheritance tax planning and pass on more to your loved ones.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
What our clients say about us...
We were recommended to Penny Harris as a mortgage broker, and I can honestly say in dealing with solicitors and estate agents, Penny was by far the most pleasant part of the very stressful experience. My husband and I are both self-employed, and dreaded trying to get a mortgage. Penny made the whole experience so easy. She sorted everything we needed in a short time frame, and kept in contact throughout. This being our first house purchase, we messaged her regularly with questions and it was never too much trouble for her to talk us through everything. I recommend her to everyone, she was such a joy to deal with. Thank you Penny!
We have been working with Andy & his team for over 20yrs ever since we moved from our native Yorkshire to Malvern in Worcestershire. Eureka helped us with all sorts of financial issues at a difficult time for us, this included Mortgages, Re-Mortgages, Financial and Investment advice and also personal pension guidance and advice, always accommodating, pragmatic and willing to work with us to arrive at a solution to any queries or concerns we may have. Working with Eureka is more like working with friends and family always making the difficult minefield of personal finances easy to understand and done in such a way that there's no pressure with regards to the decision making process. They are always my first port of call for anything financial as I find Eureka really are a one stop financial advice shop.
We cannot recommend Asia highly enough for her incredible support and expertise! We needed to mortgage our farmhouse to undertake quite a complicated renovation and building project. We were disappointed to find that our own bank was not interested in helping us, as we didn’t fit standard criteria - despite being loyal customers of theirs for years. Asia went above and beyond to find the right lender for us, successfully navigating the complex requirements of our mortgage application. Her knowledge, persistence and professionalism made all the difference. Thank you so much Asia for your incredible support – we truly couldn’t have done it without you!
Advice for all circumstances
We offer advice on plans that help to protect you and your family in a range of circumstances – plans that will help keep safe what’s precious to you.
Advice for all circumstances
We offer advice on plans that help to protect you and your family in a range of circumstances – plans that will help keep safe what’s precious to you.
Book an Appointment
Fill out the form below and we will be in touch regarding your enquiry. Or call us on 01299 821160.
The internet is not a secure medium and the privacy of your data cannot be guaranteed. Your details will not be stored on our database and therefore will not be used for marketing purposes.