Insurance

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Expert insurance advisors

Expert Insurance Advice

At Glade Financial we do our best to make sure all our clients are protected from the unexpected, but we know that one doesn’t fit all. We will assess your needs and help you decide what kind of insurance you might need. If you work and have dependants your insurance needs might be different from a person who is single and self-employed. Contact us for a free independent advice.

Life Insurance

Life insurance is a type of insurance that will pay out set sum in case of a death or terminal illness, with life expectancy less than 12 months. Term life insurance is set up typically for a ‘term’, e.g. 25 years or the term of your mortgage. This is most common life insurance because is lower cost than whole-of-life insurance. If the person insured dies during the term, the insurance pays out, if not, the policy simply lapses.

Life insurance for families

Whole-life Insurance

Whole-of-life insurance is a type of insurance that covers the whole of life. Unlike the term policy, it will never lapse. This type of insurance is more expensive as it is valid until your eventual death and the payout is guaranteed. This type of policy tend to be arranged to cover potential inheritance tax liability.

Income Protection

Income protection insurance is a long-term insurance that will pay out monthly benefit in case you lose your income, due to illness or injury. It will replace part of your income (usually 50-60%) and pay out until you are fit to go back to work or retire.

Income protection
First-time buyers

House Insurance

Building and content home insurance covers the cost of repairing or replacing your house and its content due to accidental damage by fire, weather or crime. Landlord home insurance is designed for the rental properties and often comes with additional insurance like rental protection insurance and liability insurance.

Relevant Life Insurance

It is also commonly known as Death-In-Service insurance and allows employers to offer life insurance policy to the employees. It is tax-efficient way for employers to offer additional benefit, which is paid out tax free to the family or trust.

Relevant life insurance
Mortgage

Mortgage Payment Protection Insurance (MPPI)

Mortgage payment protection insurance covers the cost of your mortgage each month in case you are not able to pay. This can be due to illness or losing a job. Usually the policy will pay for up to 12 months.

Critical Illness Insurance

Critical illness policy can prevent financial hard time in case of a serious illness. It will pay out a lump sum, that can be used on any purpose. This is a term policy and is often offered combined with life insurance policy but a claim will only pay once.

Critical illness insurance

Health Insurance

Private health insurance covers the cost of medical bills outside NHS. It can cover additional services as dental care, eye care or physiotherapy.

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About us

Glade Financial is trading name of GEC London Ltd and Registered Individual (RI) of Charles Crown Group Ltd which is authorised and regulated by the Financial Conduct Authority, FCA registration number 77444

Contact us

Request call back anytime. We are boutique mortgage advice company based in South East London.

Legal

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

Keep in touch
About us

Glade Financial is trading name of GEC London Ltd and Registered Individual (RI) of Charles Crown Group Ltd which is authorised and regulated by the Financial Conduct Authority, FCA registration number 774448.

Contact us

Request call back anytime. We are boutique mortgage advice company based in South East London.

Legal

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

Keep in touch