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Life Insurance
With years of experience we can help make sure you're covered - always.
Business Insurance
If you run or manage a business, insurance plays a key role in healthy managment.
VINTAGE | PROTECT
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VINTAGE | PROTECT

No one likes to think about being burgled, suffering a flood or fire and it’s even easier to put the prospect of accidents, serious illness and death out of your mind but the fact is that you need to make sure that you’ve protected yourself and your family and that means reviewing your insurance on a regular basis.

This is particularly important as your circumstances change – when you get married, have children, move house, buy a new car or start a business. Your needs will also develop as you grow older.

As well ensuring that a policy covers you adequately, you’ll also need to think about your tax liability. It’s important to make sure that your protection plans are up to date and are tax efficient, taking into account issues such as Inheritance Tax. Even people who have had protection can still make costly mistakes. For instance, you need to check that your policy is written into trust to ensure that any money paid out goes to the person that you’re intending it to go to. This should avoid the time and expense of going through probate.

Fixed Term Life Insurance
This product provides you with a fixed lump sum payment should you die within a specified period and is built around your exact needs of both you and your family.
Mortgage Life Insurance
Here you’ll receive a lump sum payment should you die within a specified period. The amount that you’re covered for will be reduced in line with the balance of your repayment mortgage.
Critical Illness Cover
Critical Illness Cover gives you a tax-free lump sum payment or monthly benefit if you’re diagnosed with a specified critical illness. It can be included with Family Income Benefit, Fixed Term Life Insurance and Mortgage Life Insurance policies.
Income Protection
With Income Protection you’ll receive a tax free monthly benefit of a proportion of your pre-tax or gross income, including bonuses and commission, if you’re unable to earn due to an illness or injury. You can choose whether payments continue up to retirement age or stop after a specified period.
Family Income Benefit
This product pays a tax free monthly benefit to your chosen beneficiary should you die within a specified period. Family income benefit is designed to replace the income of a family member who dies so that the rest of the family still has enough money for the things it needs such as school fees.
Whole of Life
“Whole of Life” insurance pays out regardless of how old you are when you die. Unlike term insurance, which only pays out within a specified period, whole of life guarantees a lump sum is paid on death, even if you live to be over 100 years old. Whole of Life cover is commonly used as protection against Inheritance Tax liabilities

TESTIMONIALS

Excellent
1004 Reviews
5.00 Average Rating
Aimee Bruerton
Company Director
Tony, I spoke with you about some insurance for myself if for some reason I wasn't able to work. You explained everything properly so even I understood! (I know that takes some doing)! The level of service you gave was second to none. You explained everything in depth while you calculated the quote (which was much cheaper than I expcted)! Thanks for your help, I feel much more secure and relaxed about everything now.

Jan 2019

Dave Meredith
Owner of GBS Electrics
Dear Tony, I wanted to take this opportunity to thank you for the help you gave me getting my income protection and life insurance in place. As a business owner you explained everything in depth and also the potential impact of me not being able to work. You took your time to explain everything and also provided me with the right options whilst giving me time to choose. Thanks to your advice and help I can now relax about what would happen if i couldn't work, whilst also ensuring my family would be looked after financially if the worst happened. All at a cost I can afford. I cannot recommend you highly enough and I will certainly be recommending you to my friends and family. Thanks again.

March 2019

Chris Jackson
Web Developer
Fully recommend Tony and Vintage Protect. You explained to me very carefully all of the available options and made me realise how important it is to be covered - now I can sleep easy at night knowing that my family would be covered if the worst did happen. Very helpful and I got exactly what I wanted, would recommend to everyone.

October 2019

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