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We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, household insurance, and cash lump sum accident protection. Please see the Insurance Proposition Summary leaflet for details of the insurers we offer insurance products from.
We are an insurance intermediary representing you, not any insurer. We will provide you with a personal recommendation after we have assessed your needs, limited to the insurance products available to us, as shown in the Insurance Proposition Summary leaflet.
We arrange the policy with the insurer on your behalf, you do not pay us a fee for doing this. We receive commission from the insurer which is a percentage of the total annual premium. This means that if you purchase one of these products we will receive commission in addition to any adviser charges fees you may have been or will be paying The Openwork Partnership for investment-related services. The amount of commission will be disclosed separately should you purchase one of these protection products.
You will receive a quotation which will tell you about any
fees relating to any particular insurance policy.
Yes, a lot of lenders will accept pre-settled status. For significant numbers of lenders, customers who receive either ‘Settled’ or ‘Pre-Settled’ status will be subject to normal residential and buy to let policy and lending criteria.
All based on circumstances and contract, there is a numbers of lenders who can accept mortgage application if you just started your new permanent contract.
Yes significant numbers of lender will accept Income from probationary employment if the probationary period is part of a permanent contract.
The payout from a life insurance plan is normally tax free. However, if the plan is not set up in Trust, you should remember that any benefits paid are likely to form part of the deceased’s estate and and can be subject of inheritance tax, unless the money is being paid to a charity.