Insurance Products

Do I Need Cover?

I already have cover

First off, this is great news. You have already taken the lead and previously taken out cover. Let us review this for you. There have been significant changes within the industry over recent years, with more conditions being covered and more additional plan benefits.
With the EU Gender Directive also leading to price changes, you may even be able to save money by taking out a new similar plan.

I have cover through my employer

Cover through work can be a great benefit and we would always look to work this in to our recommended solutions. The difficulty with employer cover is it can be very limited, it can have exclusions, your contract can be amended or you could leave your job. It is important consideration when recommending a solution, but can it be guaranteed to be there when you need it most?

I do not have any dependents

In this instance it may be that life insurance is not recommended. However this is one very small part of our protection proposition. What would happen if you were off work through sickness or injury? What would happen if you were made redundant?
Have a look at how the state would help you if either of these events occurred.

I have enough savings

A prudent saver may feel comfortable with their emergency funds. This may well be the case, but how long would this pot last if your income stopped tomorrow?

My family would assist me if required

A family will always want to assist where required. It may be the case that they will be able to in the short term. If your income stopped tomorrow and your family was responsible for your care, how long would they be able to support this? And is that a burden you would be happy placing on your family at an already emotional time?

The right protection will give you the right financial support when it is required, and the peace of mind that you and your family will at least be able to cope financially. Many insurance providers offer additional support such as counselling and help lines in the event of a claim. This can also be invaluable at a time of need.

Please speak to your Regal Finance Group expert and make sure you do not delay in protecting yourself and your family.

Try out the LV= Risk Reality Calculator

Amy Bailey
Amy Bailey
2022-05-05
Fantastic fast service! Matt & Kirsti were amazing throughout and always on hand to help with any questions. Would highly recommend!
Anna Elson
Anna Elson
2022-04-26
Matthew and Kirsti at Regal Finance Group were amazing. We had a complicated financial situation and anything we threw at them they dealt with and supported us through the whole process. We took out a mortgage via them and they explained everything clearly. They were very prompt with replies and always had time for us. We couldn't recommend them enough! Thanks guys!
dababy drake
dababy drake
2022-04-21
We first met Richard about 5 years ago, we were trying to sell a property and buy a new one. My father had recently passed away so it was quite an emotional discussion. Richard was very open and honest with us and managed our expectations on what was feasible. Thanks to his advice and guidance then, we are now in a position to buy a bigger house and once again Richard has pulled out all the stops and managed to secure us finance for our dream house. Richard is very professional and always responsive and attentive to our needs. I would definitely recommend the Regal Finance Group, they have enabled us to successfully keep moving up the ladder within our means! Thank you.
Kyla Feltwell
Kyla Feltwell
2022-04-07
Both Matthew and Kirsti were amazing throughout our mortgage process. As first time buyers we had no clue of what to expect or what to do but they were on hand every step of the way to help us through the process and reassure us. We would highly recommend their services
Michaela
Michaela
2022-02-02
Excellent service. Kirsti was very helpful and informative and helped us with our remortgage, life and income protection insurances. Our circumstances were a bit complicated but we got an excellent product we were happy with. We will be using regal finance group in the future and would recommend them to anyone. Matt was also very helpful and we were kept up to date throughout the process
Damian George
Damian George
2022-01-17
Kirsti has been absolutely amazing threw out the hole process. She has responded to every email and even when the solicitors have been a little slow as soon as we have had a concern or questions she has been on them. Just what you need really. It has made the hole process less stressful and made the experience not so daunting. We wouldn't go anywhere now and will always recommend them to anyone. Great job.
Robyn Corroon
Robyn Corroon
2022-01-13
My self and my partner just brought our first home and with out the support from Regal Finance Group it wouldn’t of been possible. We was supported by Richard Power and he was amazing. Richard really helped us understand the whole process as first time buyers there was things we didn’t understand. Richard also helped take the stress out of all the form filling. Richard staying in regular contact and always responded to calls and email in good time. I could not recommend this company and especially Richard Power enough.
Peter Nelson
Peter Nelson
2022-01-12
Our experience as first time buyers using Regal Finance Group was fantastic. Every time we spoke to Matthew and Kirsti, we left the call feeling calm and confident in the process. They helped us through from start to finish with quick responses and a genuine care about us. Couldn't recommend them enough!
Joss Goodchild
Joss Goodchild
2022-01-10
The Regal Finance Group team were incredibly helpful throughout the mortgage offer process. They were always quick to respond, innovative with their thinking and willing to work with us to find a solution. We are very happy with the work they did.
ashley billl
ashley billl
2022-01-04
Richard was reassuring and professional throughout the particularly difficult purchase and mortgage application - The Covid pandemic really added complexity. We always felt responded to with fast, positive and proactive support which made getting the mortgage surprisingly painless. We would 100% go back to him again for a mortgage. As a note his colleague Kirsten was also a star, again responsive and supportive throughout - A big thanks to you both!

SEND AN ENQUIRY

Use the form below

    noun_Telephone_1917212_FFFFFF

    Or Call Our Advisers Now

    Life Insurance

    If you are the primary breadwinner in your household, you may have considered investing in life insurance. Even if you’re not, you still may have considered it. Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the contract.

    Life insurance is about making sure that the people you love most are taken care of financially, should the worst happen. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

    Life insurance can be set up in single or joint names and the sum assured is determined by you. Premiums are paid on a monthly basis by direct debit.

    Critical Illness Cover

    Would your family be able to cope financially if you were to become seriously ill and could no longer earn a living? It’s not a pleasing thought, however, it’s crucial to ask yourself these questions. If you believe that your loved ones would struggle to pay the mortgage or meet the costs of household bills, you should really consider critical illness cover.

    Similar to life insurance cover, critical illness cover pays out on the diagnosis of a critical illness specified in the policy. It can help with things like care costs, medical bills and even travel abroad for treatment. It can cover your financial commitments in a major health crisis, so it’s worth having if you are worried about your future health and how your family would manage it that situation.

    Private Health Insurance

    Whether you work full-time, part-time or not at all, you will be eligible for private health insurance.

    There’s no denying that the NHS is under a huge strain at the moment. NHS England treats more than 1.4 million patients, every 24 hours and the demand for its services is continuing to rise, putting additional pressure on frontline services. The figures do the talking for themselves…

    Statistics show that performance against key standards is deteriorating, as in 2016/17 an average of 89% of people were seen within 4 hours at A&E, compared to the 95% standard.

    If you think you are alone in thinking that the future of the NHS looks bleak, rest assured, you’re not. The public concern about the future of the NHS is at its highest since June 2002: 57% think that the NHS’s ability to deliver care and services has been getting worse and will continue to decline.

    However, by taking out private health insurance you won’t have to worry about the potentially poor treatment that you will receive from the NHS if you should require its services. Private health insurance is specifically designed to give you access to specialist diagnosis and medical treatment on a private basis rather than having to wait extensively to been seen and treated by the NHS.

    The speed of diagnosis and the waiting time before treatment can be a matter of life and death with many scenarios, as every second and minute is vitally important. Private health insurance gives you immediate access to specialist diagnosis and medical treatment and provides peace of mind that in the event that you require urgent medical care, it can be provided as and when you need it.

    With this type of insurance, you have the option of choosing between various combinations of cancer cover, outpatient limits, excesses and hospital networks better suited to your budget. You can also include post-diagnostic treatments and physiotherapy within plans.

    Buildings and Contents Insurance

    How would you replace everything in your home if it was destroyed or stolen? It’s worth getting buildings and contents insurance just in case.

    For your advantage, building and contents insurance simple to set up and can take only five minutes. However, the results of not investing in this type of insurance can be devastating.

    Building and contents insurance protects the structure, the fixtures and fittings in your home; while contents insurance covers all your belongings. This cover can be hugely significant because if you have a mortgage, one of the conditions will be that you have this type of cover in place. The lender will not want there to be any instance where the property is not insured and their security isn’t protected.

    Need Advice & Guidance?

    You’re in the right place. At Regal Finance Group we source your product from a range of insurers to find insurance products most suitable for your needs. You can obtain guidance and a quote by speaking to one of our friendly, helpful advisors.

    Get A Mortgage With Regal in 3 Easy Steps

    One

    Step 1

    Complete an enquiry form and an advisor will call you back.

    Two

    Step 2

    Send us the documents we need.

    Three

    Step 3

    Receive a Decision in Principle from one of our lending panel.

    Got A Question? Get In Touch