INSURANCE & PROTECTION ADVICE
Helping you protect yourself, your loved ones and your home
You are your biggest asset. Your income, your health and your ability to work are what allow you to pay the mortgage, cover the bills, support your family and enjoy the life you are building.
Mortgage and protection advice is about making sure you and your loved ones have the right financial support in place if life takes an unexpected turn, whether that is illness, injury, loss of income or premature death.
Protecting Yourself and Your Loved Ones
Income Protection
Income protection is designed to replace part of your income if you are unable to work due to illness or injury.
Losing your income, even for a short period of time, can have a significant impact on you and your family. This type of cover can help provide regular monthly payments, giving you breathing space while you focus on your recovery.
Life Cover
Life cover can provide either a lump sum or a regular monthly benefit to your loved ones in the event of your premature death.
It can help your family repay the mortgage, cover household bills, support children financially and maintain their standard of living at an incredibly difficult time.
Critical Illness Cover
Critical illness cover is designed to pay out a lump sum if you are diagnosed with a specified serious illness, such as cancer, heart attack or stroke.
The money could be used to reduce or repay your mortgage, cover time off work, fund treatment or adaptations, or simply give you more financial choice when you need it most.
Protection for Business Owners
Helping protect you, your business and the people who rely on it
If you are a business owner, protection planning can help safeguard not only you and your family, but also your business partners, key employees and the future of the business itself.
The right cover can provide financial support if illness, injury or death affects someone who is vital to the running of the business.
Business Loan Protection
Business loan protection is designed to help repay a business loan if a business owner, partner, member or sole trader dies or is diagnosed with a specified critical illness.
This can help reduce financial pressure on the business at an already difficult time.
Executive Income Protection
Executive income protection can help a business continue to pay a key employee, director or business owner a regular monthly income if they are unable to work due to illness or injury.
This can support both the individual and the business by helping to manage the financial impact of long-term absence.
Relevant Life Cover
Relevant life cover is a tax-efficient death-in-service style policy for employees and directors.
It provides a lump sum if the person covered dies during the term of the plan. The benefit is usually paid to their chosen beneficiaries through an appropriate discretionary trust.
Key Person Protection
One of the most valuable assets of any business is its people. Some individuals are vital to the success, profitability or day-to-day running of a business because of their skills, knowledge, experience or client relationships.
Key person protection can help provide financial support if a key individual dies or becomes seriously ill. This could help cover loss of profits, recruitment costs, business disruption, loan repayments or other financial pressures.
Shareholder Protection
The sudden loss of a shareholder can cause significant disruption to a business. Shareholder protection can help the remaining shareholders retain control of the business and provide the deceased shareholder’s family with a fair value for their shares.
What my client's are saying....
Kerry was awesome in everyway!!
A total one stop shop really, very helpful, very knowledgeable & very easy going as a person. I would never have been able to get a mortgage and protection without her and I'm very grateful for all she has done.
I feel safe knowing that from here on in that I have Kerry in my corner.
Danny
I first met Kerry when I was looking for a mortgage advisor.
Kerry sorted out my remortgage at the time and has since helped us to move home. She also sorted all my insurances.
More recently she has been very supportive in helping with sorting power of attorneys and a will for my husband.
Tamsin
Kerry provided us with options regarding borrowing against our current mortgage and worked within our monthly budget to find us the best protection policies to suit us should the inevitable happen, ensuring that we are financially secure.
Kerry provided competitive options and was extremely helpful in working with us to find the right solutions.
Lynn
Feel free to ask me how I can help
Tell me a little bit about what you need.
23 Lamb Park, Par, Cornwall PL24 2DR
IMPORTANT NOTE
Horizon Mortgages and Protection Ltd advises on mortgage products and protection policies.
Horizon Estate Planning Ltd advises on Wills, Trusts and Lasting Powers of Attorney.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice, the exact amount will depend on your circumstances. Wills are not regulated by the Financial Conduct Authority.
Horizon Mortgages and Protection Ltd is an appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales no. 10625787 | Registered Office: 23 Lamb Park, Par, Cornwall PL24 2DR
Wills are not regulated by the Financial Conduct Authority.
Horizon Estate Planning Ltd - Registered Office: 23 Lamb Park, Par, Cornwall PL24 2DR | Company number 10625489