Life insurance services in Wigan

At Diverse Financial Planning in Wigan, we can help you find the right financial products for you and your family, with our comprehensive life insurance services and mortgage advice. Just call us today and speak to our team.

Life insurance

Many of us will know of someone who has died young or heard of someone’s battle to survive a serious illness. Anyone who has witnessed a family trying to deal with these things will know that the financial impact can be devastating.

Like many people, you might think life is too short to worry about what might go wrong in the future and we never think it will happen to us.

When life is going well, it’s easy to take money for granted. It pays the bills and funds your family and social life. It enables you to enjoy your home, hobbies, nights out, holidays, cars and sports.

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It underpins your quality of life and provides you with all the essential things which help you to relax and enjoy life. However, what if the unthinkable does happen? Have you got enough protection in place to ensure that your family would be able to keep their standard of living? Unfortunately, most of us don’t. Protection gives you and your family peace of mind. We all know we need insurance to protect ourselves and our family from the financial impact of death and illness, but very few people have any cover at all.

Perhaps this kind of peace of mind is priceless and given the opportunity, wouldn’t you want to make sure that you and your family would be financially secure. The thing is it might cost less than you think and be more valuable than you can imagine.

It’s true to say that we are all different. What we need, what we can afford and what protection plan is right for us depends on the life we lead. You may not be in a position to buy all the cover you need right away but something is better than nothing!

It may not cost very much and could give you and your family the freedom to make choices that, in the future, may not otherwise be available.

Diverse Financial Planning is here to help you make sense of the choices available and make sure you get the protection plan that’s right for your life today, tomorrow and into the future.

Protecting your home

Your home is likely to be one of your greatest assets and one of your largest financial commitments. It is therefore sensible to protect it.
Mortgage Life Insurance is designed to pay out a cash sum to help pay off your mortgage if you die or suffer from a serious illness during the term of the policy. Meaning your loved ones could continue to live in the family home without worrying about the mortgage.
Protecting your income

Our homes, travel, holidays, hobbies… everything depends on maintaining a steady flow of money. Let’s face it, life without that regular payment showing up in your bank account would be very difficult. Yet few people actually protect their income, leaving themselves and their families at risk of hardship if circumstances change. Income protection can give you and your loved ones something to fall back on.

Income protection insures part of your earnings against illness or injury. It’s designed to help cover your essential outgoings if you become ill or have an injury that prevents you from earning a living. Wouldn’t it be reassuring to have that peace of mind?

Mortgages

First Time Buyers

Buying your first home is an exciting time and is likely to involve some of the most important financial decisions you'll ever make. It can also feel overwhelming knowing where to start to get onto the property ladder.

We make it easy for first-time buyers to choose the right mortgage. Whether you have a large or small deposit, want a fixed or a variable rate deal, we compare first-time buyer mortgages from a wide range of lenders so it's one less thing for you to worry about. What's more, our comparison service is free and independent.
Moving home

Your house isn’t just a place to live; it’s your home. But there comes a time when it feels right to move on. Moving home is a great opportunity to make a fresh start. Whether you want to move up the property ladder to accommodate a growing family, downsize to something small and cosy or just want to be closer to family or friends, we can help.

Moving home is considered to be a stressful time by many, but it doesn't need to be that way. We can guide you through the process and offer expert mortgage advice specific to your circumstance.
Remortgaging

Your mortgage is probably your biggest financial commitment, so it’s always worth exploring other mortgage deals when the time is right.
Whether your existing mortgage deal is coming to an end, you are currently on your lender's variable rate or you are looking to borrow a little extra for home improvements or a holiday, now is one of the best times to remortgage and look for a better deal.

It is now increasingly more common for people to overpay on their mortgage payments in order to pay off your mortgage sooner. A remortgage is a perfect time to look at all your options.

YOUR MORTGAGE IS SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

For professional life insurance services and mortgage advice, call 07799 623110