Protection

FINANCIAL PROTECTION

An extremely important aspect of any financial commitment or lifestyle is protecting it against the "what if's" of life. We use the UK's top insurance providers to look at quality protection packages for you and your family

What if...

Being an adviser means we do just that, advise. If we do not do this, we have failed to a certain extent. Offering information and advice on all our product expertise is critical for an excellent client journey. One of these areas and for me the most important area is financial protection. From a background of advising I have also managed advisers where I found it frustrating in the lack of passion in this area as we are not just mortgage advisers, we are here to look at all financial options surrounding this. I am extremely passionate about protecting my clients or at the very least trying to educate them on the products available to them out there and the pro’s and cons of each, so lets look at my “what if” theory.

What if...

"What if"……. A powerful few words, which can be used in many scenarios in life, in particular your financial matters. Of course, it is understandable if you are a bit uneasy or nervous about the financial commitment of a new mortgage or any financial commitment may I add. You need to consider what could happen to you, and possibly your partner and family, if you couldn’t pay your mortgage in various scenarios. Protection however is only mandatory where mortgages are concerned in the form of buildings insurance however that does not make it any less important as reality suggests bricks and mortar can be replaced, you cannot which I am sure you will agree with me on? 

What if...

So what is the first thing we do when we buy a lovely new shiny car or an expensive piece of jewellery? Apart from driving around with a smile on our faces and wearing the bling with pride, some may insure it. And to what level do we do this? Well in the main it is fully comprehensive, meaning most possibilities are covered! Now the car and Jewellery are taken care off and the worry of losing them to a certain extent – fabulous... or is it...?
So what happens when something happens to the person paying for these lovely things, ie you or your partner? This might be due to loss of income due to illness or time off work, it might be due to being seriously ill or god forbid you might die suddenly, what if then...?
An advisers view of protection
Not an easy conversation at the best of times but one that needs to take place and be considered at the very least. We all feel unbreakable at some point in our lives, I know that from personal experience however is this realistic. Hindsight and regret are a horrible thing to experience when it comes to financial protection.
I find it difficult to understand why people don’t want to pay for the best protection solutions out there which are designed for them as human beings rather than paying a premium to protect the loud stereo system in the sports car or the mobile phone! Priorities can somewhat get clouded with desire which is why it is so important to speak openly about protection when considering a mortgage or your lifestyle and it is also important to talk to an expert about your options. At 3D Mortgages when a mortgage is discussed, so are all the protection options to go with it, we also offer protection only discussions as you might want to protect your family and lifestyle only. We feel a real responsibility for our client’s welfare now and in the future, and we only recommend products and companies tailored to your needs and requirements. It is our opinion that you are the reason for your belongings and lifestyle so why on earth wouldn’t you put a financial barrier between yourself and your family and the potential risks that inevitably life will bring. ALB
As with all insurance policies, conditions and exclusions apply

All the Protection you need

We like to look at all your options where protection is concerned. Using a selection of the UK's top insurers and cutting edge technology, you are in good hands when it comes to protecting you, your home and your family.
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