[et_pb_section transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” make_equal=”off” use_custom_gutter=”off” fullwidth=”on” specialty=”off” admin_label=”Section” disabled=”off”][et_pb_fullwidth_image src=”https://www.morganpeterson.co.uk/wp-content/uploads/2017/11/MP-header-2-003-1.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” disabled_on=”on|on|” admin_label=”Fullwidth Image” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”] [/et_pb_fullwidth_image][/et_pb_section][et_pb_section transparent_background=”off” background_color=”#262425″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” make_equal=”off” use_custom_gutter=”off” fullwidth=”off” specialty=”off” admin_label=”section” disabled=”off”][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_text background_layout=”dark” text_orientation=”center” admin_label=”Text” use_border_color=”off” border_style=”solid” disabled=”off”]

Protection Insurance

 

[/et_pb_text][et_pb_text background_layout=”dark” text_orientation=”center” max_width=”100%” max_width_last_edited=”on|tablet” admin_label=”Text” text_text_color=”#ffffff” use_border_color=”off” border_style=”solid” disabled=”off”]

There are a number of different products which are designed to protect you, your family or business if anything was to happen to you. However with such a vast choice of products you need to ensure you get the right one as they dont all cover you for what you might think.

The products we recommend will depend on your circumstances and may not always be the cheapest option but we will ensure it covers you for what you need.

[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” make_equal=”off” use_custom_gutter=”off” fullwidth=”off” specialty=”off” admin_label=”section” disabled=”off”][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”1_3″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_image src=”https://www.morganpeterson.co.uk/wp-content/uploads/2017/08/umbrellas.jpg” alt=”Calculator” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” sticky=”off” align=”left” max_width=”100%” max_width_last_edited=”on|tablet” force_fullwidth=”off” always_center_on_mobile=”on” max_width_tablet=”30%” max_width_phone=”50%” admin_label=”Image” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” custom_margin=”||0px|” custom_css_main_element=”border-radius: 50%;” disabled=”off”] [/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_text background_layout=”light” text_orientation=”left” max_width=”100%” max_width_last_edited=”on|phone” admin_label=”Text” use_border_color=”off” border_style=”solid” custom_margin_last_edited=”on|desktop” custom_padding_last_edited=”on|desktop” disabled=”off”]

Do I need insurance?

People usually think they only need some form of insurance when they take out a mortgage, this is not  true as there are many risk factors. Whether you are renting or living with parents if you have an income or any debts it usually means that you need insurance to ensure you cover any lost income to pay for any debts or repayments.

Taking out insurance doesnt always mean you need to pay a fortune each month, with so much competiion in the market the cost of insurance has reduced over the years.

[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section transparent_background=”off” background_color=”#f0c84f” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”on” custom_padding=”54px|0px|61px|0px” make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” make_equal=”off” use_custom_gutter=”off” fullwidth=”off” specialty=”off” admin_label=”section” disabled=”off”][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_text background_layout=”light” text_orientation=”left” admin_label=”Text” use_border_color=”off” border_style=”solid” disabled=”off”]

Some of the products available to you

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_toggle title=”Term Assurance” open=”off” admin_label=”Toggle” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”]

Term Assurance is life insurance in it’s cheapest form. The sum assured under the policy is only paid out if death occurs within a specified term.

If the life assured survives until the end of the term, the policy will expire and there will be no monies payable.

There are several types of Term Assurance. The following list is not exhaustive, but it covers the main types:

[/et_pb_toggle][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_toggle title=”House insurance” open=”off” admin_label=”Toggle” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”]

If you own your own home, you’ll need to have buildings cover just in case your home is damaged and needs a repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility – not your tenants. Although it’s not compulsory, if you own your own home this sort of insurance should be a top priority.

Home insurance is a general term used to describe two very different types of insurance:

You can buy both types of insurance separately, or in many cases, you can get them as a joint policy from one insurance company.

[/et_pb_toggle][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_toggle title=”Mortgage protection insurance” open=”off” admin_label=”Toggle” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”]

Mortgage protection insurance (also known as ‘mortgage payment protection insurance’ or simply ‘mortgage insurance’) will pay you a set amount each month, usually for a period of up to two years, if you are unable to work.

There are three main types – unemployment only; accident and sickness only; and accident, sickness and unemployment. Unemployment policies will cover you only if you are made redundant. Accident and sickness cover will protect you if have a long-term illness or suffer a serious injury.

[/et_pb_toggle][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_toggle title=”Critical illness protection” open=”off” admin_label=”Toggle” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”]

Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. But be aware that not all conditions are covered and policy will also state how serious the condition must be.

Don’t confuse critical illness cover with life insurance, although they are sometimes sold together.

Examples of critical illnesses that might be covered include:

Most policies will also consider permanent disabilities as a result of injury or illness.

It only pays out once and then the policy ends.

Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.

[/et_pb_toggle][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ custom_padding=”31px|0px|27px|0px” allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”Row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_toggle title=”Income protection” open=”off” admin_label=”Toggle” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid” disabled=”off”]

Income protection insurance (sometimes known as permanent health insurance) is a long-term insurance policy designed to help you if you can’t work because you’re ill or injured.

It ensures you continue to receive a regular income until you retire or are able to return to work.

It’s not the same as critical illness insurance, which pays out a one-off lump sum if you have a specific serious illness.

It’s not the same as short-term income protection, which also pays out a monthly sum related to your income, but only for a limited period of time (normally between two and five years) and can cover fewer illnesses or situations.

[/et_pb_toggle][et_pb_text background_layout=”light” text_orientation=”left” admin_label=”Text” use_border_color=”off” border_style=”solid” disabled=”off”] [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” admin_label=”row” disabled=”off”][et_pb_column type=”4_4″ disabled=”off” parallax=”off” parallax_method=”on”][et_pb_text background_layout=”light” text_orientation=”left” admin_label=”Text” use_border_color=”off” border_style=”solid” disabled=”off”]

Find out what insurance you might need and an idea of how much it will cost.

[/et_pb_text][et_pb_button button_url=”https://www.morganpeterson.co.uk/protection-insurance-quote/” url_new_window=”off” button_text=”Get more information” button_alignment=”center” background_layout=”light” admin_label=”Button” custom_button=”off” button_text_size=”20″ button_letter_spacing=”0″ button_use_icon=”default” button_icon_placement=”right” button_on_hover=”on” button_letter_spacing_hover=”0″ disabled=”off”][/et_pb_button][et_pb_text background_layout=”light” text_orientation=”left” admin_label=”Text” use_border_color=”off” border_style=”solid” disabled=”off”]

We source our protection policies from whole of market to ensure we can provide you with the most suitable products. 

[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]