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Guide to Personal Insurance

There are many different types of Personal Insurance policies to consider to protect you should the worst happen. The trick is finding the right balance so you’ve got enough protection for all aspects of your life but aren’t over-insured and paying for benefits that might not necessarily be right for you.

The right personal protection products will protect not only you, but your finances and your family. Personal insurance covers a range of health and protection insurance products that provide a safety net against life’s uncertainties for you and your family.

Income Protection

Income Protection

Income Protection insures your income if you are unable to work due to illness or injury, paying monthly benefits to cover your expenses.


Private Health Insurance

Private Health Insurance covers the cost of private medical care if you fall ill, giving you access to fast healthcare when you need it the most.


Life Insurance

Life Insurance

Personal Life Insurance pays out a lump sum upon your death to cover funeral costs, clear debts or financially support your loved ones after you’re gone.


Mortgage insurance

Mortgage Insurance

Mortgage Insurance comprises Mortgage Life Insurance to protect against death and Mortgage Payment Protection to cover you in case you can’t work.


critical illness insurance

Critical Illness Insurance

Critical Illness Insurance pays out a tax-free lump sum should you suffer from a critical illness. This can be used to cover medical expenses, replace lost income or make adaptations to your home following a disability.

 

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Types of Personal Insurance

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    When to Review Personal Protection Products

    Products as important as personal insurance shouldn’t be filed away and forgotten about. They should be reviewed and updated when there are changes in your life to ensure your cover remains right for your current needs.

    Certain life-altering events should be followed by a review of your personal insurance policy:

    • Getting married / moving in together
    • Starting / increasing your family
    • Moving jobs with a change in employee benefits
    • Becoming self-employed, a contractor or starting a business
    • Buying a property / getting a mortgage
    • Moving to a higher value property with a larger mortgage.

    Some personal protection policies will include a guaranteed insurability option, which allow you to increase the amount of cover you have if you reach a major milestone in your life without submitting further medical evidence. These typically include getting married, having children, moving house / increasing your mortgage and getting a pay rise / promotion.

    Get Expert Personal Insurance Advice

    Finding the right Personal Insurance product is only the first step to getting your protection put in place. Not all policies are made equal and different insurers will make different offers.

    That’s why, to help you find the best product, policy and insurer, you can speak to Drewberry’s financial advisers. We offer fee-free and impartial insurance advice and help you find the best personal insurance policy for the best price from the best insurer.

    Tom Conner Director at Drewberry

    There are a lot of choices to make in the process of purchasing a personal insurance policy, so to ensure that you find the right protection to suit your circumstances, speak to our financial advisers on 01273646484.

    Tom Conner
    Director at Drewberry

    Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!

    Francesc Sale
    07/06/2019
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