Private Medical Insurance:

There are many reasons to choose private medical treatment, from avoiding lengthy NHS waiting lists, to not being satisfied with treatment on the NHS or wanting a second opinion. The resources of the NHS continue to be stretched despite significant government investment, and there can still be delays before NHS treatment is available. Going private gives you: Fast access to treatment. A choice of when you want to be treated. A choice of where to be treated. A choice of consultant or private specialist. Sometimes, the option to have treatment(s) which may not be available on the NHS.

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Critical Illness Cover: 

Designed to pay out your chosen amount of cover if you're diagnosed with a specified critical illness that is cover during the length of your policy. It can be added when you take out life insurance, at an additional cost. We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. If the worst does happen, it's important to make sure you are financially protected against the impact a critical illness could have on you and your family.

Accident, Sickness & Unemployment:

Enjoy peace of mind and continue to pay your essential outgoings each month irrespective of accident, sickness, unemployment or redundancy.  This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at http://www.moneyadviceservice.org.uk

*For more information on this product please go to the bottom of this page

*A typical monthly cost for Accident Sickness & Unemployment Insurance and Mortgage Payment Protection Insurance is £2 for every £100 of monthly benefit.

Personal Sick Pay: 

Is a specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, teachers, electricians and construction workers. You can also recommend this type of income protection to clients who find it difficult to prove how much they earn, such as the self-employed or contract workers.

Umbrella Financial is a trading name of Matt J Collins Ltd, registered in England & Wales at 10 Great North Road, Milford Haven, Pembrokeshire, Wales, SA73 2LJ (number 09001016). Matt J Collins Ltd is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice. The Financial Conduct Authority does not regulate some forms of Buy to Let.

© 2016 The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Family Income Benefit:

As with term assurance policies, family income benefit policies provide cover on death if you die during the policy term. But instead of a lump sum, it gives regular set payments (income) for the rest of the term of the contract. Premiums remain level throughout, and if you live beyond the end of the policy there will be no pay out. This means that it is an attractive product for those who would like to ensure that their family will maintain a regular income after their death, rather than a one-off payment.

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Buildings & Contents Insurance:

Without Home Insurance your clients could be financially ruined if a loss occurred or constrained by having to set aside money to fund their own repairs or replacement. Our homes are typically our most valuable asset, but incidents can and do occur which can potentially destroy or severely damage property. Home Insurance provides you with peace of mind by protecting your home, contents and personal possessions from damage or loss whilst also protecting your legal liabilities as a property owner or occupier.

Income Protection:

This type of insurance cover will pay you an income if you are unable to work due to an accident or injury, no matter how it occurs. Whether you’re employed or self-employed, income protection insurance is vitally important to ensure you’re covered in case of accident and injury. Many people ignore this type of insurance because they assume it is expensive, but we are able to provide income protection insurance that is surprisingly affordable, and offers financial peace of mind in case of any injury or sickness which prevents you from working.

Sports Insurance:

As an amateur or semi professional sportsperson, picking up a serious injury could mean that you are unable to work, lose income or are forced to pay for treatment. Having the right insurance in place can provide you with a cash payment to help make life that bit easier. Policies are low cost and can pay out lump sums for a wide range of injuries, hospital stays and more serious injuires. You can also cover your children in the event of accident or sickness.

Life Insurance:

No one knows what the future holds, but if you were to die, how would your family cope financially? Could they pay the mortgage and other household bills? What about childcare costs? Life insurance, also known as life assurance or life cover could help ease the financial strain on your family at an already difficult time.

Landlords Insurance:

Without Landlords Insurance to protect your property when renting out to tenants, you could be financially ruined if a loss occurred or constrained by having to set aside money to fund your own repairs or replacement. Our Landlords Insurance product provides you with peace of mind by protecting your property and contents from damage or loss whilst also protecting your legal liabilities as a property owner.

​Mortgage Payment Protection Insurance:

If you are on a tight budget and can’t afford income protection, then having Mortgage Payment Protection Insurance (MPPI) is certainly better than having no cover at all. A mortgage is the biggest financial commitment most of us will ever take on and if for whatever reason you’re unable to work, you will still be expected to make your repayments. This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at http://www.moneyadviceservice.org.uk. *For more information on this product please see the bottom of this page.

Products we provide:

     - Income Protection
     - Life Insurance
     - Critical Illness Cover
     - Sports Insurance
     - Accident / Sickness & Unemployment
     - Personal Sick Pay
     - Mortgage Protection
     - Buildings & Contents Insurance
     - Landlords Insurance

​     - Family Income Benefit

     - Private Medical Insurance
     - Business Insurance