Buildings & Contents insurance
You need to protect your home against flood, fire, theft and other perils.
Our panel of insurers offer you competitive quotes on your Home Insurance.
- Buildings Insurance.
- Contents Insurance.
- Accidental damage.
- Cover away from home.
- Legal cover up to £50,000.
- Home Emergency.
Not all cover is the same and ‘cheap’ cover may not payout when you do not meet the insurer's strict policy conditions. Have peace of mind and use a Broker who can then assist in any claim that’s needed.
For a few pence more each month I can ensure you have the best cover available for your budget.
Financial Protection for all your needs
From Income Protection to Critical Illness cover, Alison Hughes can provide all types of general insurance to protect you and your family. As an expert financial advisor, I can assist you in deciding the policy that best suits your requirements.
Income Protection
Employers do not offer unlimited sick leave therefore what happens when your salary stops?
SSP is currently £96.85 per week meaning that if you couldn’t work, through Accident or Sickness, you would be heavily reliant on savings to pay your mortgage/rent and bills. Statistics show that most would struggle after 3 months to continue to do this. Would you?
That’s why investing just a small amount a month into an Income Protection plan could pay you a wage when your employer isn’t.
Cover can offer just 1 year of protection, or right through to retirement.
Premiums are based on the job description, health and term of cover.
Life Cover
Choose between Mortgage Protection and Family Protection or have a combination of both to give total peace of mind.
The proceeds are paid out tax-free but could be subject to Inheritance Tax before they are passed to the beneficiaries, however, you can control where the money ends up by the use of Trusts and this can help to mitigate Inheritance Tax.
www.probateni.com gives useful information on this.
(Please be advised: by clicking on ‘Probate NI’ you will be taken to a 3rd party website)
(Neither Alison Hughes Financial Solutions nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked sites)
I work with you to understand your current living standards and your wishes, before tailoring a policy that’s right for you.
Critical Illness
One in two of us are now being diagnosed with Cancer at some point in our lives. How would you keep a roof over your head if this happened to you?
It is typically taken to cover the mortgage balance but can be used to pay for private treatment, house renovation or time off work for a family member to help care for you while you’re ill.
Policies are usually set up with life cover and premiums are based on your age, smoker status & health.
Most insurers will offer Children’s Critical illness cover alongside parents life or Critical Illness plans.
Family Income Benefit
Family Income Benefit is designed to replace an income upon death.
Life cover pays out in a lump sum when the policy holder passes away, whereas Family Income Benefit pays a monthly income for the term of the plan helping ensure your family can pay for things like holidays, education, birthdays etc.
No one likes to think that their loved ones would struggle if they were no longer here.
Whole of Life plans
Whole of Life policies are designed to run until death, therefore, as long as the premiums are met, the policy is guaranteed to payout.
This type of plan can be used to leave a lump sum gift to children, cover Inheritance Tax or pay for funeral costs. Although a Whole of life plan can acquire a cash value its primary purpose is to provide financial protection and should not be seen as an investment vehicle.
It is normally set up in trust so that it doesn’t form part of your estate for Inheritance Tax.
The Financial Conduct Authority does not regulate Inheritance tax planning advice.
For further information see www.probateni.com
(Please be advised: by clicking on ‘Probate NI’ you will be taken to a 3rd party website)
(Neither Alison Hughes Financial Solutions nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked sites.)
Critical Illness
One in two of us are now being diagnosed with Cancer at some point in our lives. How would you keep a roof over your head if this happened to you?
It is typically taken to cover the mortgage balance but can be used to pay for private treatment, house renovation or time off work for a family member to help care for you while you’re ill.
Policies are usually set up with life cover and premiums are based on your age, smoker status & health.
Most insurers will offer Children’s Critical illness cover alongside parents life or Critical Illness plans.
Contact Alison for more information or to discuss how you can protect yourself & your family
Wills & Trusts
Have family and dependants?
Have assets that you would want to go to specific family members?
Don’t have a will in place?
Not sure how to manage inheritance tax?
Looking for protection for your business when you die?
Worried about care home costs?
‘Wills & Trust services are referred to a third party. Neither Alison Hughes Financial Solutions nor PRIMIS are responsible for the service received’
I work alongside Will and Trust specialists who can advise on Family Wills, Probate, Inheritance tax and Business Protection and Care Home Costs.
More information can be found at www.probateni.com
(Please be advised: by clicking on ‘Probate NI’ you will be taken to a 3rd party website)
Why work all your life not to leave your loved ones provided for?
Don’t leave it too late to put a Will in place, your family will thank you for it.
These products are not regulated by the Financial Conduct Authority and we are not authorised by PRIMIS Mortgage network to advise on them.
Neither Alison Hughes Financial Solutions nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked sites.