INSURANCE & PROTECTION PRODUCTS

At Lawson Financial, we understand that you have worked hard to achieve your property so, why would you not protect the things that mean the most to you- your family, your property and your income? We are not premium driven- we want to make sure you have the best quality of cover and don’t offer on comparison sites insurance as it is usually stripped back to the bare minimum. Surely you want to make sure that you have every eventuality covered so if ‘that’ day should come, you can rest assured that your protection policy will pay out when you need it most. We also provide a COMPLIMENTARY service to put your protection policies into trust so that they reach the right people at the right time.

Life Cover

Although this is quite self-explanatory, there are things you need to be aware of- does your terminal illness benefit cover you up until the very end of the policy? Do you have enough savings if you were to pass away to pay for your children’s University education as well as your mortgage being repaid? How about if your children are placed under Guardianship- would the Guardians chosen be in a financial position to pay for a wedding? Life cover is never just about covering your mortgage but also the ‘what ifs’ in life too. Get in touch and we, at Lawson Financial, can assess your situation and make sure you are covered for all the right things and give you and your family peace of mind at your time of need.

Critical Illness Cover

What would you do if you were diagnosed with a life changing illness that required time off work or meant that you may never return to work? Maybe you may need to make modifications to your property which may not be covered by the NHS? Did you know you can also protect yourselves in the event your children become critically ill and you need to take time off work to care for them? Lawson Financial can provide you with sound advice from the best products on the market to protect you, your family and property and provide a lump sum should this situation happen to you. This really doesn’t need to be expensive but what value do you place on knowing that you won’t lose your home at the time you need it most? Some policies have ‘money can’t buy’ added benefits as well which may not be available on the comparison sites. Get in touch for a free, no obligation quote. If you have an existing policy, we have a fantastic comparison tool to ensure you are not just paying the best price but best quality of cover.

Income Protection

Not to be confused and connected with Payment Protection Insurance (PPI). Could you afford to live on Statutory Sick Pay? This insurance is paid as a monthly benefit if you are off work due to long term sickness or an accident and can pay out until your retirement years if the case arose. It is designed to keep your income coming in when your employer benefits stop and covers all illnesses (subject to underwriting at the point of claim and full disclosure). If you had a machine that just gave you money each month- would you insure it in case it broke down? If the answer is yes- make that machine you and insure your lifestyle too.

Family Income Benefit

Are you in receipt of maintenance income? Are you divorcing and want to protect income for your children until they are a certain age or leave full time education? This cover could be for you. Family Income Benefit is designed to provide short term, tax free income to young families with dependants should there be a death or critical illness of a parent. Contact Lawson Financial for a quote for you.

Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance is designed to pay a monthly benefit in the short term if you are out of work due to accident, sickness or unemployment. The maximum amount of time it will pay out is 24months. If you think this might be for you or you would like more information, get in touch today.

Buildings and Contents Insurance

If you have a mortgage on your property, you are legally obliged to hold Buildings Insurance as a minimum. Internet Comparison sites are proving more popular but they are price driven and will inevitably not provide you with an adequate level of cover. If your property has suffered historical subsidence, is an unusual construction, you have valuable collections or art works to insure or other high risk items, give Lawson Financial a call to see how we can help you.

Commercial Property Insurance

Need insurance for your Doctors’ Surgery, Care Home or other establishment? Lawson Financial can provide you with a quotation and attempt to beat your current quote and level of cover. Contact us now and see if we can help.

Landlord Property Insurance

Have a property portfolio that you would like to insure on one policy? Do you cover the contents in your rental property from accidental damage in case your tenants don’t? Are you covered for loss of rent in the event of an insurance claim? If you are unsure or require more information, let Lawson Financial do the hard work and find a suitable product to meet your needs and requirements.