Insurance

Let Apple Mortgage Solutions ensure you are protected from those unexpected disasters and accidents by finding the right policy that suits your exact requirements at the right price.
Make sure you have the right financial cover for those situations when you most need it.
Life Insurance

Life Insurance is a great way to help protect your family from the financial worries and obligations they could face if you were no longer around. It could help with covering the monthly mortgage payments, household bills or child-care costs.

It could pay out a cash sum if you die during the length of the policy and cover your funeral costs.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Medical Insurance

Health insurance can offer the peace of mind that in the event of sudden illness you can rely on the high standards that private care offers.

Everyone’s needs are different. Having the right policy will allow you to select the level of cover, out-patient limit, excess and hospital network that may suits your needs and budget.

Health insurance can pay for diagnosis, such as MRI scans, prompt treatment of acute illness or injury including operations and aftercare that could be administered in a private hospital or as a private patient in a NHS hospital.

Critical Illness

We never think a critical illness is going to happen to us especially when we feel fit and healthy but it can and does.

If the worst does happen, it is important to make sure you’re financially protected against the impact a critical illness could have on you and your family.

We can advise on what polices are available to cover not just you but all of your family.

The plan may not cover all the definitions of a critical illness. For definition please refer to the key features and policy document.

Income Protection

Having Income protection can be of enormous value to you and family if you are unable to work. Policies are designed to cover your outgoings and maintain your lifestyle in the event of you having an accident or a long term sickness.

Typically a policy will provide you with a 60% tax free benefit of your gross income giving you a worry-free safety net in the event that you lose your income.

We can provide you with expert advice on the types of policies that are available and tailor the benefits to your specific circumstances.

Income protection (with no investment link) has no cash in value at any time and will cease at the end of the term. If you stop paying premiums your cover may end.

Family Income Benefit

Family Income Benefit is a life insurance policy that pays an income to dependants on the death of the insured. The income is payable for the remainder of the policy term.

These policies are suitable for people with young families who wish to protect against the loss of income provided by either or both parents.

Family Income benefit plans can used for various reasons, for example they can form part of divorce settlements. Whilst divorcing couples can often agree on monthly maintenance payments, the consequences of death of either parent whilst their children are still dependant is often overlooked.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Relevant Life Policy

A relevant life policy is an alternative way for an employer to set up life cover for an employee in a tax efficient manner without using a registered death in service group life scheme to benefit the employee’s dependents.

It is set up on a single life basis and is suitable for small businesses that might not normally be able to access this type of death in service cover. It has become increasingly popular with owners and directors of limited companies

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Buildings Insurance

Buildings insurance covers the structure, fixtures and fittings of your home, e.g. roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards and bathroom suites.

Most buildings insurance policies will also cover certain outdoor structures such as sheds, garages and greenhouses. Fences, gates, boundary walls and damage to mains supply pipes may not be covered, so it’s important to read your policy’s small print carefully to see exactly what is included.

Contents Insurance

Contents insurance protects you against damage and theft to possessions in your home. You can also have cover for personal possessions away from your home. Cover differs hugely from policy to policy so it is best to get good advice to ensure you cover your possessions adequately.

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APPLE MORTGAGE SOLUTIONS, Castle House, Park Road, Banstead, Surrey, SM7 3BT

Joe Quigley, trading as Apple Mortgage Solutions, is an appointed representative of TenetLime Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime Limited is entered on the Financial Services Register (www.fca.gov.uk/register) under reference 311266.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK only.