Non-Fee Charging
Protecting yourself
and the people you love
At Denyer Hill we understand the importance of protection so have tried to make the process as easy as possible to understand and arrange all while not charging a fee.
We will help guide you through the various options to make sure we are recommending the best level cover that suits your budget and circumstances.
To do this we just need a few minutes of your time to complete a medical questionnaire over the phone then we can independently search the whole of the market for you.
We will liaise with the underwriters on your behalf and arrange for any medical screening or GP’s reports, if required. We will also discuss the advantages and benefits of putting a policy in Trust and arrange the appropriate paperwork.
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Life Insurance
Everyone should have peace of mind for those unexpected rainy days.
If you have kids, are getting married, or wish to protect your estate in the event of your death, now is the right time to consider life insurance so you can protect your loved ones and assets after you’re gone.
By speaking to an expert, you could explore protection options such as:
- Whole of Life Insurance or Life Assurance
- Critical Illness Cover
- Mortgage Life Insurance
- Income Protection
Speak to an expert today to help you find the right cover for your needs.
Critical Illness Cover
Critical illness cover is a type of insurance that pays out a tax-free lump sum if you’re diagnosed with, or undergo surgery for, a critical illness that meets our policy definition during the policy term and survive at least 10 days. It’s designed to help support you and your family financially while you deal with your diagnosis – so you can focus on your recovery without worrying about how the bills will be paid.
Critical Illness cover can be set up on a decreasing or level term basis. This means that the amount of cover you have can either reduce (decreasing cover) or the amount you are insured for remains the same throughout the policy (level cover).
1 in 2 of us will be diagnosed with a Critical Illness in our lifetimes. This is not a statistic to be understated. Some of the policies also protect our children so if they were ever diagnosed with a critical illness, there would be a lump sum paid out to you as the parents which would not affect the cover you have in place.
Income Protection
Income protection is designed to pay you a regular monthly income if you’re unable to work due to illness or injury. The amount of cover you take out depends on your circumstances but usually no more than 65% of your gross income.
If eligible, Statutory Sick Pay will pay you £116.75 per week for up to 28 weeks……Simple question, what would you do and is this enough?
If the answer is no, we can help work out the most appropriate level of cover until you are well enough to return to work. This can be a standalone policy or a combination of options such as savings, deferred periods, short-term or long-term cover or all of the above, whatever it takes to get you are back on your feet.
Family income benefit
Family income benefit is a type of life insurance that pays out a tax-free regular income for a set amount of time if you were to die.
Typically, you choose how long you would like the cover in place for which often ties in with your children’s/dependants ages. The idea being you choose a term that takes them to an age when they are likely to be more financially independent, usually their 18th or 21st birthday or when they left education or start full time employment.
If you die during this period, the policy will pay a regular income to your family for the remaining term. So, for example, if you take out cover for a 20-year period, and die after 12 years, the policy will pay an income for the next 8 years until the policy finishes.
This is not to be confused with Income protection.
Why choose Denyer Hill
Experience
Benefit from our 80 years of combined industry experience. Our team holds qualifications such as CeMAP and operates under FCA regulation, ensuring expertise in mortgage financing. With over 6000 mortgages secured, trust Denyer Hill to recommend the best option available for you.
Trust
Based on 146 reviews
As non-fee charging advisers our payment is contingent upon securing a mortgage that aligns with your needs. With our whole-of-market approach, we sift through tens of thousands of options to find you the best available mortgage.
Our Promise
We promise to provide clarity, confidence and peace of mind throughout your homebuying journey. Trust our seasoned team to guide you through the mortgage maze with tailored solutions and unwavering support.
We promise to
– Act with integrity
– Act with due skill, care & diligence,
– Act in the best interest of our customer and to treat them fairly