Lyndhurst Insurance - Lyndhurst Financial

Protecting yourself and your family is easy and affordable.

Our experts will guide you through the process and recommend the most appropriate protection so you don’t have to enter your details onto comparison websites to find the cover you need. Download our free guide.

Life Insurance:

Protect your family with insurance which doesn’t leave any liabilities on your death. Download our free guide.

Lyndhurst are able to offer independent quotes for life insurance, term assurance, mortgage protection and critical illness cover. We have specialists in this field that can offer advice as to the most suitable life assurance and family protection plans. If you are replacing existing cover or know the cover you require you can go straight to our quote engine to obtain a life assurance quote within minutes.

Life Insurance Details:

  • Level Term Assurance can be used to cover an interest only mortgage
  • Level Term Assurance often includes Terminal Illness Cover for free, this is not the same as Critical Illness Cover
  • Level Term Assurance can be written in trust
  • Level Term Assurance can be written on a joint life basis, however for often only a few pounds extra you can take single cover and potentially double your protection
  • Level Term Assurance Quotes can offer guaranteed or reviewable rates. You may be taking on affordability and premium risk by taking a reviewable premium
  • Level Term Assurance does not have any investment content, you will not recieve any lump sum or refund of premiums at the end of the term if you have not made a valid claim within the term

Lyndhurst Financial Management Limited offer a number of service propositions for all aspects of financial planning and advice.

Critical Illness:

Protect yourself against suffering a critical illness and use the policy benefits to pay off any liabilities or secure treatment to aid your recovery. Download our free guide.

Lyndhurst are able to offer independent quotes for critical illness cover, life insurance, term assurance, mortgage protection.

We have specialists in this field that can offer advice as to the most suitable life assurance and family protection plans. If you are replacing existing cover or know the cover you require you can go straight to our quote engine to obtain a life assurance quote within minutes.

Critical Illness Cover Details:

  • Critical Illness Cover can be used to pay off outstanding debts in times of critical illness which often leads to financial hardship
  • Critical Illness Cover can be written on a joint life basis
  • Critical Illness Cover Quotes can offer guaranteed or reviewable rates. You may be taking on affordability and premium risk by taking a reviewable premium
  • Critical Illness Cover can be written with death benefits included or on its own
  • Critical Illness Cover does not have any investment content, you will not recieve any lump sum or refund of premiums at the end of the term if you have not made a valid claim within the term

Lyndhurst Financial Management Limited offer a number of service propositions for all aspects of financial planning and advice.

Income Protection:

What would you do if you were unable to work due to a long term illness? If you would find the bills hard to pay, income protection insurance may help soften the blow. Lyndhurst are able to offer independent quotes for Income Protection Insurance from a number of providers and if you contact us we will be happy to provide some quotations.

Income Protection Cover Details:

  • Income Protection can provide an income should you be unable to work for an extended period of time due to illness.
  • The income provided is up to a maximum of 75% of Salary
  • The benefit can be written to retirement and will continue to pay out until you are ready to return to work.
  • The benefit starts after a defined period of time known as a “deferred period”. This usually coincides with the number of weeks you receive full pay from your employer. If you have other insurance such as Accident, Sickness and Unemployment benefit you may set the deferred period for the term of this benefit as not to double insure yourself.
  • The longer the deferred period, the cheaper the premiums.
  • Cover can be written back to day one with a deferred period of 4 weeks, although typical cover will have a 13 week deferred period.

Private Medical Insurance:

Get the care you need quickly, when you need it, by taking out a policy which helps cover the costs of private medical treatment.

Lyndhurst is able to offer independent quotes for Private Medical Insurance from a number of providers and if you contact us we would be happy to provide some quotations.

However, as most people refer to Private Medical Insurance as “BUPA” we have a direct link with BUPA where you can contact them to obtain quotes directly from them. They will guide you through the options available and answer any questions you may have.

It is worth considering the excess you pay upon a claim and the amount of out patient benefit applicable to the plan when considering your choices.

Business Protection:

Our free to access videos will give you more of an insight into the risks a business could face if it lost a key staff member or shareholder to a critical illness or death and options available to protect the business against those risks. They are just 9 minutes in total and are split into three 3 minute sections covering the topics below.

Introducing Business Protection

Why is it important to think about insuring the people who are critical to your business. A recent survey of SME’s conducted by Legal and General found that around half believe that the loss of a key person could see them stop trading in less than a year.

Key Person Protection

Insuring the key individuals, responsible for your business’s success, in the event of them becoming critically ill or dying.

Shareholder & Partnership Protection

Putting an agreement and funding in place to manage ownership changes in the event of critical illness or death.

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CLIENT PORTAL

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LYNDHURST MORTGAGE

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ESTATE MANAGEMENT

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FOCUS FOR WOMEN

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CLIENT PORTAL

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LYNDHURST MORTGAGE

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ESTATE MANAGEMENT

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FOCUS FOR WOMEN

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