The treeline in fromt of Durham cathedral is brightly lit. Photo by Trevor Liddell

Protection

What can we help you with?

At Taylor-Hall we provide a wide array of Protection and Insurance services. We will help you identify which coverage best suits you and your needs.

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Life Insurance

Life cover can provide your family with a cash sum if you were to die, or are diagnosed with a terminal illness during the term of your plan. This could be used to replace lost future income, and help give back the feeling of security for those left behind. At a difficult time, it can help to ease money worries and prevent financial hardship.

The money can help with immediate expenses or act as a long term support for your family. For example, it could be used to pay off the mortgage or any loans, for future expenses or to leave your loved ones with a lump sum.

You can choose to cover yourself or both yourself and your partner.

Critical illness with life cover

This is critical illness cover with life cover included. If you choose this benefit, it will cover you for whatever happens first – the diagnosis of a specified critical illness, diagnosis of a terminal illness, or your death, during the term of your plan.

Is it for me?

It would be a relief for you to know that you have done all you can to minimise the financial impact for your loved ones and there’s nothing more important to us than making you feel that you and your family are secure.

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Home Insurance

We offer a range of insurers for competitive home insurance cover

Whether it is for your Residential or Buy to Let properties we can arrange a highly competitive quote.

Buildings Insurance is an essential consideration for those with a mortgage – in fact, mortgage lenders insist that you have a policy in place when you take out a loan from them to ensure that their investment is secure.

There are 2 parts to house insurance:

Buildings cover: this insures the "bricks and mortar" of your home in case of drastic events like fire, water or weather damage.

Content cover: this protects the belongings within your home from issues like theft, damage or loss. Many people tend to underestimate the actual value of the contents of their house, but the general rule is that anything you would like to take with you if you moved (including basics like curtains and carpets) should be included.

We can design a bespoke house insurance policy in accordance with your needs and you can start the process with a completely free initial consultation.

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Income Protection

Flexible income protection that helps cover loss of earnings

Pays out after a waiting period of 4, 8, 13, 26 or 52 weeks. Payouts are monthly in arrears
Covers up to 60% of your gross annual income (up to £60,000 a year). Then 50% of your gross annual income over £60,000 a year.
Cover lasts until your chosen retirement age, but you can cancel at any time without change.
You'll receive the monthly benefit until you return to work or your policy ends.
Pay outs are tax free, but could affect a claim for state benefits.

This policy does not include unemployment cover, so will not pay out if you become unemployed; it is not a savings or investment plan and has no cash value unless a valid claim is made.

To organise a completely free consultation with Taylor-Hall Financial Services, call us today on:



0191 581 9018.