Protection and Insurance news

Craig Maxwell • Apr 14, 2020

Protection blog

These are challenging times for us all and we are all being affected in many different ways. We also understand how stressful and concerned some of you may be feeling at the moment.

Firstly I hope that you and those close to you are healthy and safe. Times like these are a stark reminder of what is most important and taking care of the well-being of our families and our community is our shared and first priority.

Also, as a protection client, I want to assure you that, providing you have paid your monthly premiums with your insurer, the cover we arranged remains in place and the terms of it are unaffected by the Coronavirus outbreak.

The insurers we recommend are some of the very best in the market and whilst they are no doubt facing significant operational challenges, I know they will be doing their utmost to support clients.

The insurers we recommend are some of the very best in the market, doing their upmost to support clients.

We are already seeing insurers are changing their products and underwriting stances in response to the Coronavirus, which will impact on anyone seeking to purchase protection, so whatever you do, keep your existing plan(s) in place! But, if you believe your plan is no longer right for you, please speak to us before taking any action.

If you have missed any payments or cancelled a policy in the last few weeks, give us a call, and we’ll do what we can to get you financially protected again.

Support Services

Most of the insurers I recommend offer some valuable support services that often get forgotten about. I’ve listed some below, which may be useful to you. Clearly, the services provided differ between insurers and from one plan to another, so please do refer to your policy documentation to confirm exactly what is available to you. If you are unsure I’ll be happy to help.
  • Aviva: Bupa Anytime Healthline – giving clients the opportunity to speak to a Bupa nurse.
  • Guardian: GP24/7 – this feature gives policy holders GP consultation from their phone, tablet or PC. 
  • Legal & General: GP24 –a chargeable option that may have been added when setting up a policy which gives access to a GP over the phone or via a webcam 
  • LV – Doctor Services provided by SquareHealth, giving clients the ability to book an online appointment up to 5 times a year.
  • MetLife: The MultiProtect policy (since February 2018) allows immediate 24 hour access to MetLife’s Wellbeing Support Centre - to get support on physical, mental and financial wellbeing.
  • The Exeter: Offers members their Healthwise App to book phone or video GP consultations, meaning they don’t have to leave home.
  • Vitality: GP access via telephone for all clients, including health and protection.
  • Zurich: Support Services package offers free and confidential health and wellbeing advice, allowing clients access to a counselling service to discuss a wide range of issues for peace of mind.     
I’d stress that if you are concerned about, or have symptoms relating to Coronavirus, you should contact the NHS online to ensure up to date guidance by going to the NHS Covid-19 news web page.

Making a Claim

All of our protection providers have published Coronavirus guidance on their websites. We recommend that you read the guidance for your particular insurer so you are clear on their position given the current circumstances.

If you do want more information or are unfortunate enough to need to make a claim, the links and contact details below may save you time:
Stay safe and well.

September 2020 -Newsletter

By Craig Maxwell • 24 Sep, 2020
In uncertain times and what has become a very volatile mortgage market, I've put together some information regarding the current state of play in the industry, which can be found below in the Maxwell Mortgage Services - Viewpoint monthly newsletter. As ever, if you need to talk about anything mortgage related, my team and I are always on hand. You can find our details on the contact us section of the website. Take care and stay safe Craig
Older couple

Borrowing options in your later years

By Craig Maxwell • 14 Apr, 2020
Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do.

Reviewing your mortgage deal could save you money

By Craig Maxwell • 14 Apr, 2020
In March 2020 the Bank of England cut the base rate to 0.1%. Broadly speaking a lower base rate is good news for borrowers, there is no better time to consider remortgaging.
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