Professional Services

Home insurance is vital to protect the roof over your head and all your possessions. It’s simple to arrange and acts like a shock-absorber, protecting thousands of families each year from the financial effects of life’s unwelcome events like burglary, loss, fire and flood. Choosing from the hundreds of policies on offer can be bewildering and time-consuming. That’s where using an adviser can be of real help in finding you the most suitable deal for your needs.

Buildings and Contents Cover

Insurance

Income Protection
What it does – This type of policy pays a monthly income tax free if you are unable to work due to an illness or injury.

What you need to know – State benefits aren’t generous and few employers will continue to support their staff through a long illness, so income protection policies can help families through difficult financial times. You can choose the date at which the policy would pay-out in the event of a claim. This can range from a month to up to a year. Policies that pay-out sooner will have higher premiums.

Critical Illness
What it does – Critical illness cover pays out a tax-free lump sum if you are diagnosed with a major illness, including cancer and heart disease. Actual illnesses covered in a policy may vary between providers.

&nbsp;What you need to know – Many people buy a combined life and critical illness policy, and it makes sense to do so. In this case, a payment would be made on either diagnosis of a critical illness as defined in the policy, or death, whichever is the sooner. If the cover is combined in this way, the policy premium is usually cheaper than it would be for separate policies, as there is only ever one lump sum paid out by the insurance company.

Income Protection and Critical Illness

Not everyone needs life insurance (also known as life cover and death cover). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements.

Life Insurance

Finance and Banking

Harper Health & Financial Solutions

Derby

Wealth Management

Insuring your home or car is a no-brainer, but some people aren’t sure why Private Medical Insurance can be a good idea.
Why get health insurance?
Private Medical Insurance is designed to ensure that if you need medical treatment in future, you won’t need to worry about NHS waiting lists or paying for the cost of the treatment. If you’re treated privately, private medical insurance will pay all or some of your bills.
Having private medical insurance will get you diagnosed and treated quickly, as well as offer you a prompt referral to a consultant and admission to a private hospital at a time and place that is convenient for you. With Private Medical Insurance you’ll have a choice of private hospital from an agreed list provided by your insurer - most hospitals offer a private en-suite room, TV and a choice of food, which you wouldn’t necessarily get as a normal patient.

Private Medical Insurance

Other products/services from Harper Health & Financial Solutions

Buildings and Contents Cover

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Income Protection and Critical Illness

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Life Insurance

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