Platinum Financial Consulting is a fully independent financial advice company, authorised and regulated by the Financial Services Authority - number 227014.

Unlike many of our competitors we are not compelled to sell the policies of any one company. Nor do we try to include every policy in the hope that you will select one.

We have refused to sell policies that we feel do not offer customers adequate protection.

We select what we consider to be the best all round policy in each sector available, using both quality and price criteria.

Our ability to reject policies which don't meet our criteria has resulted in providers offering exclusive conditions to our customers.

Accident and Sickness Insurance - How it Works

As general insurance advisers, we are registered with the Financial Services Authority under number 227014.

We offer products from a range of insurers. Please note: Our recommended policies are not based upon individual appropriateness, but rather we feel that their features versus their cost currently make thm the best value for money policies in each category from all those available to us. Your policy is purchased as an non-advisedtransaction.

Core Conditions of our policies
On this website we offer two policies. One is linked to your mortgage and will pay out for up to 12 months. The other policy is available to people who have no mortgage but still want to protect themselves from unemployment.

We have researched the market and feel these policies are the best in their respective categories. We are not obliged to sell the policy of any particular company. We constantly review the policies we offer and can change them at any time.

12 Month Mortgage Related Policy

This is an award winning Mortgage Payment Protection policy.

It is possible to protect your monthly mortgage payments and include an extra 25% for you to use as you wish. Total cover is limited to 75% of your gross monthly income.

The policy has a maximum payment of £1,500 per month.

12 Month Income Related Policy

This Income Protection policy is linked directly to your income. Whilst it could be used to protect a mortgage, loan or other debt, the amount paid out will depend entirely upon your gross proveable income.

The Policy will pay out up to a maximum of £1,500 per month or 60% of your gross annual income, whichever is lower.

While this website features two distinct policies, there will be a few occasions when your personal circumstances will mean that you are not eligible for the featured policy. In such cases our quote engine will automatically substitute a policy that has similar terms and conditions to the featured policy. We promise in such circumstances to offer you the cheapest alternative available.

The criteria around claims of this nature are reasonably straightforward.

The policy will pay out if a doctor certifies that you have had an accident or illness that prevents you from doing your current or any similar job for which you are reasonably qualified. Some conditions may require specialist verification.

You must not be doing any other job.

You must be working at least 16 hours per week before you can apply for a policy.

There are some exclusions that would prevent a claim being made. They are as follows:

Any sickness you knew about, or that is related to a condition for which you consulted a doctor in the twelve months before the policy start date. Our income related policy will allow you to claim if you have been free of the condition for at least two years.

Normal pregnancy

Pre-existing chronic illnesses (See definition below)

Elective surgery e.g. cosmetic surgery - Where you undergo any elective surgical procedure

Intentional injury (any self-inflicted injuries while sane or insane)

Alcohol, solvent or drug abuse

AIDS or HIV infection

Pre-existing Chronic Condition
This is considered to be a condition that occurs prior to the policy start date, and that continues indefinitely, or that cannot be cured or eradicated and that reoccurs or requires treatment.

This website uses the phrases Redundancy insurance, Unemployment Insurance. Accident and Sickness Insurance and Mortgage Payment Protection. We use these phrases interchangeably because they are the terms our customers use when talking to us. Invariably there is little or no difference between policies whether you use the term Redundancy Insurance or you prefer to call it Unemployment Insurance the policy will cover the same things. Mortgage Payment Protection is a policy that will allow you to insure yourself against accident sickness and unemployment The only condition is that you must have a mortgage in place to allow you to but a mortgage linked policy. If you don't have a mortgage you can buy income linked accident, sickness and unemployment insurance.

Authorised by The Financial Services Authority

Your Home is at risk if you fail to keep up payments on a mortgage or other loan secured on it

Written quotations available on request

Telephone : 08450 55 95 65 Fax : 0871 277 1422 Email : info@platinumifa.co.uk

FSA Registration Number : 227014

Mortgage Insurance | Unemployment Insurance Specialists