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Insurance policies may not be what you really want to spend your hard earned money on, but they are a very important part of responsible borrowing.

It is a horrible thought that one day you will die. Hopefully after a long and fulfilling life, having witnessed the many miracles it has to offer, but unfortunately this is not always the case. Insurance is part and parcel of talking about mortgages, if you had enough money to buy the property outright, you probably have enough money in the first place not to worry about what if you became ill or died. However, if not, insurance policies can give the peace of mind that your loved ones will be financially taken care of in the event of your death.

The advisers at Lawton Financial Services can have a very important role to play in your life. What we will do is: we will explain what insurance policies are available to you, how they works, what they do, what they don't do, if they are suitable for you, any exclusions and how much they cost. There is no hard sell, there is no scaring you into taking a policy, just an open, honest conversation about your choices.

Here is a brief and very simplified list of insurance products available to you:

  • Life insurance: Pays out a lump sum of money when you die.
  • Critical illness cover: Pays out a lump sum of money when you are diagnosed with a predefined illness.
  • Income protection: Pays a monthly benefit for a pre-agreed term when you are unable to work for a prolonged period of time.
  • Unemployment cover: Pays a monthly benefit for a pre-agreed term when you are made involuntarily, well, unemployed.
  • Buildings and contents Insurance: Pays out (less the excess) for claims for loss or damage to home and possessions.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

If you have questions about certain types of insurance, or require quotes then please do not hesitate to contact us.

Contact us

Bexley Office

Unit 4a/5a Kent House, Old Bexley Business Park, 19 Bourne Road, Bexley, Kent DA5 1LR

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.


  © 2018 Lawton Financial Services

Lawton Financial Services Ltd | Registered Address: 12 Old Bexley Lane, Bexley, Kent DA5 2BN | Place of Registration: England and Wales | Registered in England No. 07835127

Lawton Financial Services Ltd is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register under reference 440703 and 440718.