Personal Protection Insurance

There are many different types of cover, such as income protection, life cover, critical illness cover, family income benefit to name only a few.. the list goes on and you are not expected to understand it. But we do. Amanda has worked in finance for over 30 years and she will be able to clearly explain what cover is for what purpose and if it is relevant for you.
Being diagnosed with a critical illness is either of those things we try not to think about or one of those things that we think will never happen to us, but sadly it can and does. 

If we sit and think for a moment, we can all probably think of one person we know who has been diagnosed with a life changing illness. From the Big ‘C’, through to a heart attack and stroke, these can all change the way we lead our lives. Not just daily but can also change the way we look at our lives and suddenly, todays ‘important’ is not so.

Why Choose SJ Financial Solutions for Personal Protection Insurance?

Here at SJ Financial Solutions, we will not only help you to find the most suitable mortgage but we will also discuss all the various options for protecting it, such as life cover, income protection and critical illness, the name just a few.

You may have heard terms such as index linked, level term, decreasing term, in trust, and reviewable but what do they all mean and, which is most suitable for you?

Our team of expert insurance advisors can discuss and explain all of the options available to you, explaining the differences and recommending the most suitable product for your circumstances.

If you would like to discuss the insurance options available or would just like to know what’s possible, then please don’t hesitate to contact us.

Request a Call Back

Would you like to speak to one of our advisors over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

For Businesses: Do you have questions about how our advisors can help your company? Send Stuart an email and he will get in touch or phone 0121 448 0161 between 09:00 and 17:00 on Monday to Friday and he will be delighted to have a chat with you.

Note: Your details are kept strictly confidential as per our Privacy Policy. A link to this can be found in the footer. By submitting your information you agree that you have read this and that you agree to its contents.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

Factors to Consider Before Choosing Personal Protection Insurance

Financial Situation

Evaluate your current financial situation, including your income, expenses, savings, and debts, to determine the amount of coverage you need.

Health Condition

Your health plays a significant role in determining your eligibility for personal protection insurance and the premiums you'll pay. Be prepared to disclose any pre-existing conditions during the application process.

Lifestyle

Consider your lifestyle and hobbies when selecting a policy. Risky activities may impact your premiums or coverage options.

Benefits of Personal Protection Insurance

Personal protection insurance offers numerous benefits, including financial security for your loved ones, peace of mind, tax advantages, and flexibility in coverage options.

Frequently Asked Questions

Yes, you can customise your coverage by combining multiple types of personal protection insurance to address your specific needs.

Consider factors such as your income, expenses, debts, and future financial goals when determining the appropriate coverage amount.

In most cases, benefits received from personal protection insurance are not taxable. However, it's essential to consult with a tax advisor to understand the implications for your specific situation.

Customer Testimonials

Your home may be repossessed if you do not keep up repayments on your mortgage.

SJ Mortgage Solutions Ltd is a company registered in England and Wales with company number 06008117. Registered Office: Offices 7 & 8, 8 Ladybank, Holloway, Tamworth, England, B79 7NB
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The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore tageted at consumers based in the UK.
SJ Mortgage Solutions Ltd trading as SJ Financial Solutions, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £149 to £750 and this will be discussed and agreed with you at the earliest opportunity.
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