Please find below a list of the services we provide and a brief introduction to each financial product area. Our highly experienced team of mortgage advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
It can provide the reassurance of financial protection for you, your family and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.
Please be aware that this type of assurance is based on an assessment of the health of the applicant.
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THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future. However, there are a number of other types of health-related insurance policies which are worthy of serious consideration including critical illness and income protection cover.
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INCOME PROTECTION PLANS THAT HAVE NO INVESTMENT LINK HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF YOU STOP PAYING YOUR PREMIUMS YOUR COVER MAY END.
CRITICAL ILLNESS PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.
This is an area of financial planning that is often overlooked but it is important for your peace of mind.
It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence.
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If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.
There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you. Alternatively, our recommendation may be to use other forms of finance once we have assessed your situation.
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EQUITY RELEASE REDUCES YOUR ESTATE’S VALUE AND MAY AFFECT ANY MEANS-TESTED BENEFITS YOU’RE ELIGIBLE FOR.
A LIFETIME MORTGAGE, WHICH IS A LOAN SECURED AGAINST YOUR HOME, IS THE MOST POPULAR FORM OF EQUITY RELEASE AND YOU WILL STILL OWN YOUR HOME.
THINK CAREFULLY BEFORE RELEASING EQUITY AND MAKE SURE IT’S RIGHT FOR YOU.
01322 470580
enquiries@wrenmcltd.com
80 Wren Road,