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Personal Protection Insurance

personal protection insurance

Getting on the property ladder is a life-long commitment. The financial protection offered by insurance could be a valuable safety net if you or a loved one suffer a serious illness.

Here at Bliss Financial, we take great pride in ensuring that our clients and their family are protected in the areas that matter to them most. Protection is not an easy subject to talk about, but it’s so important to us that our clients know what is available to them.

We can guide you towards the right insurance based on your personal circumstances. We have access to the whole insurance market, so we can find you the most suitable policies with the best premiums. Our job is to make sure you are covered for all of life’s pitfalls and be there should you ever come to make a claim.

What is personal protection?

Buying your new home is a happy exciting time. However, it is imperative to take out personal protection cover to guarantee you can remain in your home, no matter what life throws at you down the line.

It is essential that you consider the situation you would be in if the worst happened:

  • Could you afford to remain in your home if your partner passed away?
  • Where would your income come from if you fell seriously ill and were unable to work?
  • If you fell ill and couldn’t work, what would you and your family have to give up in order to pay your bills? What additional costs would you face? Would you have to change your lifestyle? What savings would you have to make? How would that make you and your family feel?
  • What would happen if you were unable to return to work due to terminal illness, with no sick pay from your employer?

Having adequate protection is key and goes hand in hand with the responsibility of being a homeowner. If the worst was to happen, you and your family will benefit from either a lump sum or monthly payments, to replace the loss of salary.

When should I get protection insurance?

Protection insurance should be a consideration throughout your life and there is no wrong time to discuss it. The premiums on protection policies do tend to be less the younger you are, so with that in mind, we recommend you consider it as soon as you take on life’s big responsibilities, such as owning your own home and starting a family. An independent financial adviser, such as Bliss, can assess what is important to you and walk you through your options, whether that’s joint life cover, income protection, critical illness cover or unemployment cover.

What types of protection insurance policies are there?

Here at Bliss Financial Solutions, we can advise you on all the areas of protection available and, together, we can arrange suitable policies to ensure you are covered in all eventualities.

Life cover

Life insurance cover provides protection in the event of you or your partner passing away, in the form of either a tax-free lump sum or a regular income. We recommend a joint life policy for partners, but individual life cover is also an option.

Critical Illness Cover

Critical illness cover provides protection in the event you are diagnosed with a critical illness, terminal illness or injury that prevents you from working. The policy pays out in the form of a lump sum or regular income. The types of illnesses will be specified in the cover and usually include a heart attack or stroke, and terminal illness such as cancer. As well as cover for illness, this type of policy also includes serious injury. Critical illness cover can also include children, so it is important to consider if you have a family.

Income Protection Insurance

Income protection insurance provides replacement monthly income in the event you are unable to work due to being ill or injured. Following a claim there will be a waiting period (or ‘deferred period’) then the income protection policy will pay out. This provides you with a crucial source of income after sick pay from your employer stops.

If you do not receive sick pay from your employer, then you may be entitled to statutory sick pay, however, this is a nominal weekly amount. This type of policy is also applicable if you are self-employed, providing peace of mind that money is not an issue if you are unable to work. Income protection insurance doesn’t cover the full amount of your salaried earnings. It usually covers around 60% of your annual income, but it depends on the cover amount agreed in your policy.

Accident and Sickness Insurance

Accident and sickness insurance will provide you with either a tax-free lump sum or monthly income in the event of you being incapacitated by an accident or sickness.

Family Income Benefit Insurance

Family income benefit insurance provides a replacement monthly income in the event of death, or diagnosis of a specified critical illness.

Why choose Bliss Financial for your personal protection insurance?

Here at Bliss Financial, we have many years of experience in providing advice on all aspects of personal protection, including life insurance, income protection insurance and critical illness cover. Our priority is to ensure that you have peace of mind as you embark on a new mortgage. That includes protection on your mortgage repayments, but also any other areas that are specifically important to you.

We take pride in working to your budget and ensuring that the premiums are competitive and comfortable. In the event that you need to make a claim, we are with you each step of the way offering guidance and support.

Frequently Asked Questions

What information do I need to provide for a quote?

Usually, your adviser will ask you for information about your health and lifestyle including your medical history and smoker status. This will allow them to produce a quote which is specific to you and will give a true reflection on cost.

How do you know what protection insurance you need?

We would recommend that you take advice from a suitably qualified adviser who can take into account your personal circumstances and ensure that you have cover which is specific to your needs in place. An adviser will also discuss costs and your health to establish the best cover for you.

Will my home insurance policy protect me personally?

Your home insurance policy will only provide cover for your buildings and contents rather than any personal protection.

What should I think about when choosing insurance cover?

When choosing cover you should consider your needs and the needs of your family. Who do you want to financially protect? What do you feel needs to be covered and who needs to benefit from any potential payouts? If you have a partner, you should consider joint life cover.

What age does life insurance stop?

When it comes to life insurance, the cover amount and policy term can be tailored to your specific needs. Usually, life insurance is available once you reach the age of 18.

Is payment protection the same as income protection?

No, payment protection is different to income protection. Income protection cover provides a payout in the event of loss of salary due to illness. This will help you to keep up with your mortgage, loan repayments and any other debts. Payment Protection Insurance (PPI) covers repayments of a specific debt, such as a bank loan or credit card.

As with all insurance policies, conditions and exclusions will apply.

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Why choose Bliss Financial Solutions?

Our Mortgage & Protection Services

Reviews

Selected from a number online because they stated that they have experience working with people from the military. This was essential given how moving on assignment often can be a negative for many banks when it comes to lending. Amanda was excellent and the process was swift and easy. We had planned to visit face to face but the process was just as high quality over zoom and phone.
Richard S.
1719241519
Amanda is great, everything was explained clearly and always responsive to queries, would highly recommend.
Pavitar P.
1715942557
This is my second time remortgaging through Bliss and Amanda. The service provided has made my life stress free and Amanda was thorough with her research into what deal and term would be best for me based on economic uncertainty and where I am atthis point of my life.I'd not use any other mortgage broker ✨
Harriet L.
1714555801
Amanda was extremely knowledgeable and helpful from minute one. I am very grateful to her for diligently working within a fairly tight timeframe to identify and provide me with the right product.Her communication throughout was prompt and well-received. I look forward to using her services again.
James D.
1712577010
Excellent service. Fully deserving of 5 stars. Nothing to fault. Great communication and everything went through in time with no issues. Would highly recommend Amanda Marsden.
Luke H.
1711355993
Amanda was absolutely brilliant from start to finish. She helped us secure our forever home mortgageWould 100% recommend for anyone needing financial services of any kind!
James B.
1707399328
Absolutely perfect service from start to finish, no stress, no hassle can’t recommend enough. Thankyou
sarah W.
1707382538
We have used Amanda for many years. She knows exactly what she is talking about and offers the best advice. I cant recommend Amanda enough if you're thinking of getting a mortgage or going through a Re-Mortgage. She reassured us throughout the whole process and was in touch every step of the way. Thank you Amanda, here's to many more years.
David J.
1706516356
Amanda was amazingly helpful and made the whole process hassle free. Even when I changed my mind a few times nothing was a problem and the end result was exactly what I was looking for. I would highly recommend Amanda and the team
Atha D.
1705414093
We used Amanda a few years ago for our first mortgage. She was an absolute hero for us. She sat us down and explained everything thoroughly putting all out worries at ease as first time buyers. We had issues with our chain which meant our mortgage offer lapsed and Amanda was there every step of the way right through to the day we moved in. Due to remortgage in the next year or so and I will always go back to Amanda.
Anya K.
1705410372
Once again very helpful and prompt in helping us with remortgaging our property, highly recommended
Natasha G.
1704962573
Bliss WILL get you the best mortgage solution possible. The best mortgage broker around!!
michaela M.
1704403292
Amanda was absolutely brilliant from start to finish. She helped me secure my first mortgage and also helped with organising the best deals on life and home insurance for my house. Would 100% recommend for anyone needing financial services of any kind!
Nathan C.
1702901651
We specifically selected Bliss as financial advisors for our mortgage, as we'd read great reviews from other first time buyers. Amanda was so welcoming and helpful, introducing us to the whole process. We actually went to her thinking we were fish out of water, and wanting to but not expecting to but for a few years, just wanting to get our heads around it. However everything felt easy, quick and well explained and we were accepted for a within approx 2 months of starting our search. Amanda has been amazing throughout the entire process - even personalising the way she presented documents to us to suit our styles (me, needing to talk everything out and my partner more graphs and charts!). Evening appointments were organised to work around our work schedules. She was in constant communication with all stakeholders, chasing things up for us and since moving, also supporting with insurances. I'd highly recommend Bliss, and specifically Amanda for any financial advisory services however particularly first time buyers, as no question feels like a silly question. For future purchases, selling, and any other financial services - we will definitely return to Bliss.
Amber B.
1700778474
Great service. Professional, friendly and efficient. Amanda did a great job in advising me and then finding and securing the best mortgage to suit my situation
Ed T.
1693852746
Absolutely amazing service, couldn't have received any better. Very friendly and quick at replying to all enquiries. Very understanding of our circumstances which were difficult but still got us everything we needed for our new house. Thank you again Amanda, will be recommended you to everyone who needs a mortgage broker ☺️
Stacey G.
1693568255
Amanda helped us to secure our first mortgage. She was on hand for support all the way through the process and very helpful in explaining things in a more simple way to help us to understand. She kept in contact with us regularly throughout the process and really made us feel at ease. We cannot thank Amanda enough for her support and help.
Annise M.
1693395944
I came across Bliss financial solutions by google search when desperately trying to find a mortgage advisor who could do the impossible (secure a DiP quickly, that met my difficult short term self employment circumstances).Amanda from Bliss has been a pleasure to work with. The perfect balance of professional and friendly, incredibly organised and certainly not deterred by a challenge. I’m really grateful for the time and effort she put into my case to allow me to secure the house I wanted within the mandated timeframe. Thank you so much Amanda and Bliss for allowing us to get our new home 💜
heather U.
1690804558
I just want to say how amazing Amanda at Bliss financial is!!. My partner and I were looking at buying a shared ownership prooerty and everything started happening very quickly ... but Amanda just took over from the start and literally kept me at ease the whole way . Herprofessionalism throughout was second to none and helped with every aspect of the process. Thanks to Amanda we now have the most beautiful home and we will be forever grateful for everything she has done for us. I would 100% recommend Bliss Financial.
charlotte C.
1688067705
Excellent service. Amanda really took the stress out of remortgaging for us. Highly recommended
Amy G.
1685705446
Switching mortgages has always been a frustrating and time consuming experience but using Bliss made the process seamless and most importantly stress free! They were excellent and I would highly recommend their services.
Neil G.
1685702436
Amanda has been totally invaluable through our first home buying journey. Always on hand to answer the hundreds of questions with her excellent knowledge and guidance.I would absolutely recommend Bliss Financial Services.
Matt D.
1680857625
We have been in our new house for nearly 2 months now all thanks to Bliss Financial Solutions, Amy was amazing sorting our new mortgage out and talking us through everything we needed to know. Very smooth process with good communications. Thank you very much. 🙂
Donna G.
1679681542
Exceptional customer service, professionalism and market knowledge.
George R.
1677842342
Really excellent & supportive service from start to finish throughout mortgage process, from initial enquiry through to successful completion, friendly, knowledgeable and always happy to take time to answer any questions - great organisation.
Nella F.
1676471297
Brilliant lady Amanda, always positive knowledgeable and helpful. Have no doubts in recommending her and Bliss Financial Solutions
Jeff W.
1673889689
Very prompt and professional team. Helped us out no end! Highly recommended
Wayne C.
1672850939
I would like to thank Bliss Financial Solutions for amazing, professional and swift responses during the process of my first home purchase.It has been an absolute pleasure each time I have met you and will 100% have no hesitation for contacting you again for future requirements and highly recommending you.
Paul K.
1671467114
We have recently used Amy at Bliss to help us get a mortgage. After having a stressful time at high street banks and other mortgage brokers, we contacted Amy for help. Amy was absolutely excellent and the work she does is outstanding. Amy went above and beyond and managed to find us a mortgage in a matter of days. Throughout the whole process Amy kept us up to date and managed the mortgage application seamlessly despite a stressful time with other companies. I would like to express my many thanks to Amy and the team at Bliss for being so excellent and thanks to them we now have the keys to our new home.
Alicia
1671011325
My experience with Bliss Financial was excellent, everyone went above and beyond. Provided the best advice and more. Our mortgage was sort with out any stress. I will continue recommending to friends a family looking for mortgage advice.
emma W.
1670342174
First class customer service, highly recommend Bliss Financial Solutions LTD to anyone that values a professional, efficient and personal approach. Being first time buyer my partner and I had very limited knowledge around mortgages and all things connected. Amanda and her team went above and beyond to ensure we understood everything and provided advice when we had any questions with immediate response. Bliss financial limited we thank-you kindly for making the whole mortgage process so easy, you took all the strain off us especially need due to the birth of our daughter 3 weeks ago you made the mortgage process easy and hassle free. I will definitely be a customer for life and if there is anyway I can share your company’s profile on social media please let me know as I would love to recommend your service to others.Many thanks Melissa Hodgson, Andrew and Eloise - three very happy customers 😊
Melissa H.
1670009039
Amy and the team were absolutely amazing! Nothing was too big. We didn't really know much about the process and Amy explained everything so we fully understood! We couldn't have done it without the team 100% would recommend to anyone! Thank you all so much ❤️
Rebekah F.
1669569495
We used Bliss to re morgage our property. Amy was absolutely fantastic, made everything feel really easy, she was clear in all her explanations, open and honest with setting expectations, and really knowledgeable. The whole process was really smooth. We also discussed life insurance which was something of a priority giving we had just had a little boy recently. Amazing service. Would highly recommend. We will definitely be using again for any future mortgage or insurance needs.
Lauren A.
1668630784
Excellent service, they really came to the rescue after being messed about by our current lender, amazing absolutely amazing. Just wish we went to them sooner would have saved a big headache 😃
Michael C.
1668083105
Efficient and friendly. The team helped source the most appropriate mortgage for us at a very busy and pressured time for interest rates and timeframes. They were very helpful in expediting the completion when our solicitors were holding up proceedings. The little gift afterwards was much appreciated also. Would recommend.
Kirsty T.
1667838229
Bliss Financials was a vital part of my journey to home ownership in the UK. They always gave personalized yet professional advice and were always accessible and responsive all through the process. They were very thorough, transparent and client centered; offered and discussed all the available options to enable me make an informed choice. I would totally and wholeheartedly recommend their services and I am very grateful to Amy who handled most of the process as well as Amanda and Sophie. Great team/firm!
Nwosa C.
1667564382
I would like to praise the excellent service of the Bliss Financial Solutions LTD.I have a brilliant experience with this company. I was buying a house for the first time and Bliss Financial advised me on every step of the process (mortgage, insurance), offering me suitable options that I could choose from. I always got great offers and still was in control.All members of the team (Amy, Sophie, Amanda) are brilliant, very professional, friendly and responsive.I am very grateful to Amy (my consultant) as she did help me very much throughout the process, nothing was a problem,I received responses straight away and she also prompted other parties to act swiftly (lender, insurance companies, solicitor, etc.).If I need mortgage or insurance in future, I will definitely ask Bliss Financial for help again.
Michal P.
1667551722
I am now on my second mortgage which was arranged using Bliss. What an outstanding service. From start to finish the Bliss team were great in answering queries that I had. They even pushed to get me an extension to my offer seeing me secure a great rate before the recent rises. This certainly helped me secure my dream home. I would recommend Bliss to anyone who is after a professional and personable mortgage advisor.
Dean
1667510141
Amanda worked extremely hard and was really efficient is securing a fixed deal for me at a time when rates were being removed across the board. I would recommend them to anyone.
Andrew M.
1667468174
Excellent from start to finish. Every decision and option were made clear to us about the implications and any questions we had were answered in a timely manner, making remortgaging easier than I imagined it would be. Thank you to Bliss Financial Solutions for excellent service and attention to personal details that really made us feel like our priorities were put first. We will use again at our next remortgage and would recommend to anyone.
Melissa B.
1667381063
Excellent company, fast and responsive and a professional outfitI appreciate Amy’s swift advice on a deal to secure a good rate 12hrs before the rate changed
Adam L.
1667320388
What a fantastic service. I contacted Amanda via a friend recommendation. She was friendly and helpful. She passed me to Amy who was my advisor for the whole process.As a first time buyer, I was like a rabbit in the headlights. But Amy reassured me and made the whole thing a breeze, with regular contact and updates along the way.Thank you to you all.Highly recommend 😁See you when it's time to remortgage 😉
Steven R.
1666698830
We have used Bliss/Amanda for a number of mortgages now and the service has always been second to none!We have had complicated financial situations that the Bliss team have used their extensive knowledge to support and ensure we receive the best product for us.We always recommend Bliss to all our friends and family!Thank you to Amanda, Amy and Sophie
Samantha B.
1665563361
The staff are amazing and very helpful throughout the whole process, the rates are very competitive and the after sales service is second to none, I would highly recommend Bliss Financial to anyone.MarkAspire Property Rentals
Mark L.
1665401285
Any Lyons found us an excellent mortgage deal and then helped us through a long complex legal process regarding the house. She was there for us all the way through keeping us informed and chasing up when there were delays, Thank you Amy and her team.
Ken W.
1665142125
Amy has been amazing from the start of our process as first time buyers until completion. We had a few delays along the way due to waiting on a new build but Any was there to guide us through every step of the way to help us rearrange another mortgage and kept us regularly updated on the process. I have already recommended her to friends and family and wouldn’t hesitate to use her again when we remortgage.
Melissa N.
1665048918
Really happy with the service from Amy and Bliss Financial Solutions - Amy made sure everything was as straight forward as possible, was super communicative and really easy to deal with. Would not hesitate to recommend them.
Rachael G.
1664269233
Amanda was very helpful. Gave advice over a number of options for my situation. Many other companies didn't even bother calling me back. Will definitely go back to Bliss again in the future.
Lesley C.
1663770944
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