Services from Seddons Financial

Protection Advice

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

Seddons Financial are completely independent and therefore able to advise on your protection needs as these will continually change throughout your lifetime.  It is important to review your existing protection plans to ensure that they remain appropriate.

Life Assurance

• Whole of Life – Provides lump sum upon death
• Level Term – Provides a lump sum upon death during a specified term
• Decreasing Term – Provides a lump sum which reduces during a specified term. This type of cover is used mainly in conjunction for protecting a repayment mortgage.

Critical Illness

This type of cover provides a lump sum if you contract a serious illness, suffer a debilitating affliction or become disabled. This cover can be arranged on a Whole of Life, Level Term or Decreasing Term and can incorporate life assurance.

Income Protection

This type of cover provides a regular income should you become incapacitated through sickness or accident. The period of benefit can extend to your normal retirement date.

Mortgage Payment Protection Insurance

This type of cover provides a regular monthly benefit if you become unemployed or unable to work due to sickness or accident. Benefits are usually arranged to cover mortgage payments and associated costs. The period of benefit payment is typically 12 months.

Seddons Financial is a trading style of Chambers Associates who are an appointed representative of Intrinsic Independent Limited, which is authorised and regulated by the Financial Services Authority. Intrinsic Independent Limited is entered on the FSA Register under reference 217742.