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Protecting what you already have, or what you are about to acquire should be the start of any sound financial plan. As financial planning consultants, we can ensure whatever plan you choose is right for you and is balanced to suit your individual needs and circumstances, and is sufficient to ensure any borrowing can be repaid in the event of death or serious illness.
Many clients spend hundreds of pounds each year protecting and insuring the car, the mobile phone, the holiday and even the pet, but then fail to insure the very thing that pays for all of this – their income. We will therefore carefully examine and establish what private arrangements you may already have for protecting this most important area, and if appropriate make suitable recommendations to ensure in the event of either accident or ill-health your mortgage and household expenditure can be maintained.
Unfortunately, the bills don’t stop coming when someone dies. Family protection can take care of any bills and other every day expenses if you die, have an accident, or become critically ill. Carloumi Private Finance takes time to help you explore numerous options in ensuring you leave your family in a place you would want them to be in, if anything untoward was to happen.
Business Protection helps many of our client-owned businesses to continue to trade should a key person or business owner die, become terminally or critically ill. Proceeds from the plan could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partners/directors estate are purchased.
Whether you are an owner occupier, Buy to Let landlord or commercial property owner, Carloumi Private Finance can help you obtain the ideal buildings and contents plan to protect you from major expenditure if misfortune should strike.
For Accident sickness and Unemployment insurance and Buildings and Contents Insurance we usually offer products from a limited panel of providers.
This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneymadeclear.org.uk