Personal Finance

Protection Products

As part of our professional responsibility to all our clients we always look at your protection requirements.

In other words we want to ensure that not only do you buy your home in the most efficient manner, but you also keep it in the event that anything goes wrong through circumstances beyond your control.

The recommendations we make will be in your best interests and cover important issues such as the risks associated with:

• Premature death
• Critical Illness including heart attack, stroke or cancer
• Income Protection against accident, sickness and unemployment.

We will take account of your existing arrangements including any policies that you currently have and any employee benefits you enjoy. We will then tell you what our recommendations are to ensure you and your family are properly protected against these serious risks.

Please note that whether you act on our recommendations will be entirely down to you.

Ultimately, if you decide that you do not wish to follow our recommendations then that is perfectly acceptable. We understand entireley that these issues often come down to available budget and we will be content that we have discharged our obligation to you as your professional advisers.

Please note that we deal with a select panel of top names from the insurance industry including:

• Axa
• Friends Provident
• Legal & General
• Norwich Union
• Scottish Provident

All these companies have enviable reputations in terms of quality of cover, value for money and service provision.

XBA Finance will be paid commission on any protection products you decide to take out following our advice and our introduction to the insurance company.

We will disclose any commission paid to you.



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