Selecting the right insurance and Mortgage protection will ensure you and your family will be taken care of should something happen to you. It can provide the much needed financial support when you will need it most.

It’s difficult to select the correct type of insurance for you and your family given the amount of options and types of insurance that are available. There is much more to an insurance policy than simply clicking on a price comparison website. The features and options that can be added allow you to cover specific concerns specific to your situation.

The aim of these insurance policies is to provide you and your family the security they will need if the unthinkable should ever happen. We can help to cover many scenarios but the most common are Life Insurance, Critical illness insurance, Mortgage protection and Income protection.

Our aim is to give you and your family the peace of mind you require by giving you a personalised recommendation of suitable insurance policies. We can advise on a range of insurance types, such as:

Insurance and Protection Stamford

Life insurance

Planning for a future when you are gone is not easy but Life insurance is essential if you want to reduce the impact that death can have on the loved ones left behind. Life insurance can provide either a lump sum or an income and can be used for numerous things like paying off a mortgage, school or nursery fees or simply to replace lost household income.

Critical illness cover

You have life insurance for when you die but what about insurance for when you live? 1 in 2 people born after 1960 in the UK will be diagnosed with some sort of cancer during their lifetime and over 146000 people per year suffer a heart attack. These are just two of the conditions covered under a critical illness plan and whilst the insurance can’t prevent it from occurring it can help make things easier if it did. Critical illness cover pays out on diagnosis of a number of illnesses, this varies between different companies so it is important you get advice to decide on the most appropriate policy for you.

Unemployment cover

In the current economic climate nothing is certain, but you can make sure that you do not suffer any more than you have to. Unemployment cover will provide you with an income in the event of you being made redundant. Just like income protection, the money can be used to make sure you do not lose everything that you have worked so hard to build up.

House and Contents insurance

It could be a condition of any mortgage that you insure your property. You can also decide to cover your home contents and can include lots of extras like accidental damage, legal protection and cover away from the home.

Income protection

It is easy to think that the state would pay you in the event of long term sickness. However the rules regarding incapacity benefit are changing all the time making them harder to qualify for. It is also easy to overestimate what your employer would pay you in the event of long term absence. Income protection provides you with a monthly tax free income giving you a financial safety net. This will mean that you will be able to maintain your current lifestyle and keep up with repayments on your home and other bills.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the Money Helper website.

Please contact us for further advice on the range of insurance options available

Derngate Wealth Management is a trading style of Lifetime Wealth Management Ltd who is an appointed representative of Quilter Mortgage Planning Limited and of Quilter Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Quilter Financial Planning Limited and Quilter Mortgage Planning Limited are entered on the FCA Register ( under reference 440703 and 440718

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.