Life and Critical Illness Insurance

Are you looking for life insurance and critical illness protection?

We’d all like to live like Peter Pan – with all of us avoiding the aging process everyday. Unfortunately, life’s not like that and we all need to consider protection.

At Flex Financial we can explain and explore the merits of level or decreasing Life Insurance cover. Both options are designed to pay out a lump sum if you die during the term of the policy. The key difference is level cover will remain level throughout the policy term whereas decreasing will decrease in-line with your mortgage.

Many people purchase critical illness cover from Flex Financial with their life insurance, but it can be bought separately. Critical illness cover will pay out a tax-free lump sum if you’re diagnosed with a wide range of illnesses. Policies can vary between insurers and can vary in illnesses – with some covering the main diagnoses (cancer, stroke and heart attack) and comprehensive plans covering in the region of 80 critical illness. Would you be able to meet existing commitments if you were unable to work and bring home an income?

Supporting you through the process

At Flex Financial, we recognise that it’s not always easy for customers to compare products and services and understand the mountain of paperwork from various providers. That’s why we give customers our Flex Financial pledge to simplify insurance with;

+ A dedicated adviser to explain the shortlist of policy types and their differences at the outset

+ Comprehensive online tools to quickly assess the viability of mainstream and niche insurance providers

+ A clear, concise breakdown of differences between policy quotes and what they cover – and critically what they don’t

+ A dedicated case manager to process and track all stages of the process application

+ An automated reminder service during the life of the policies to ensure sufficient time to explore better deals

Request free consultation

How do we work?

We do not charge arrangement or consultation fees for personal or business insurance services. After a quick fact-find call or meeting, we’ll explore the market for the best options and essential criteria for you to consider. We know the preferences, strengths and checklists for all the key insurance providers, so we’ll get you to the right solution swiftly and efficiently.

Lets chat, and start the process of establishing the right solution for you.

Request free consultation

Request free consultation

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Mortgage products not linked to my/our existing arrangement
Any other products and services

Post to us

33, Henry Crescent,
Rochford, Essex, SS4 1GU

Phone us

020 8133 6698

Email us

enquiries@flexfinancial.co.uk

Watch us

youtube.com/flexfinancial

Jotsan Shrestha
Jotsan Shrestha
14:32 23 Apr 20
Stephen was our first mortgage advisor when we bought the house. We were first buyers that time so everything was new for us and it was almost nerve recking to do everything by ourselves considering... our hectic work schedule. From day one we met, Stephen was very professional, thorough with his advice and helped us to secure a nice deal which were merely possible doing it ourselves. Now, without any hesitation we contacted Stephen as our current deal were about to expire. Despite of the pandemic situation, Stephen helped us to secure a much better deal and extremely faster than we could imagine. There are no words to express gratitude to Stephen and anyone in the situation that we were two years ago should contact him for stress free life.read more
Suzanne Kay
Suzanne Kay
13:40 14 Dec 19
What can I say, Steve is very professional and went above and beyond what I thought a mortgage adviser would do, supporting me from start to finish with getting my mortgage. He Always explained... everything simply for me to understand. He listened to my needs, and got the best mortgage that suited my situation perfectly, always ready to answered any queries I had, and ready to reassure when I was nervous. He made what would have been a daunting experience simple, giving me complete confidence with him. I’d definitely recommend this company highly!read more
Andrew Miller
Andrew Miller
20:10 11 Dec 19
With my own business, I was concerned what options I’d have available for re-mortgaging. I’d heard horror stories about self-employed mortgages, but Steve was able to secure me 7 viable providers... that would probably accept me. Then bingo, we were accepted with our 1st application and went through in about a monthread more
Alfie M
Alfie M
17:34 11 Dec 19
My family have used Steve about remortgage options and possible future move. Steve gave us excellent advice in a clear manner and one which we could understand without the Jargon. We are now fully... aware of our options and what we would need to do in advance should we decide to move. Thanks 🙂read more
Hannah Louise
Hannah Louise
07:56 10 Dec 19
Following our mortgage, Steve at Flex Financial arranged our protection cover. He gave up his Friday night to arrange this as it was the only time I was available. He understood my priorities, fully... explained all my options, costings (including working to my budget) in a friendly and professional manner. Would 100% recommend to all my family and friends.read more
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Mortgages and Insurance

Flex Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Personal Touch Financial Services which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Flex Financial FCA Number: 915575

Flex Financial Ltd is a company registered in England & Wales (company number 11061765) whose registered office is Sutherland House, 1759 London Road, Leigh On Sea, Essex, SS9 2RZ. Registered Trading address: 33 Henry Crescent, Rochford, Essex, SS4 1GU.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the EU’s General Data Protection Regulations (GDPR). You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

As with all insurance policies, conditions and exclusions will apply. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and the amount of work that needs to be done. Fees will range from £295 to £995. We may charge more for complex cases or adverse credit cases, and will always discuss this, and get your agreement, before proceeding.

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. The Financial Conduct Authority does not regulate some forms of Buy to Let, Wills or Trusts.