Personal Protection
Just like the Danube River, life’s journey is full of twists and turns. Protect your flow with personal protection. Ensure peace of mind, no matter where the current takes you.
Life Insurance
Give your family the gift of peace of mind
Protect your loved ones from financial hardship in the event of you passing away. Secure their future and your own peace of mind.
Receive a lump-sum payment upon diagnosis of a covered critical illness, helping you cover medical expenses, lost income, and more.
Critical illness cover
Financial support when you need it most
Income protection
What if you couldn’t work due to illness or injury?
Income Protection Insurance replaces a portion of your income if you are unbale to work due to illness or injury, helping you cover essential bills and maintain your lifestyle during difficult times.
Unexpected events can happen at any time, leaving our little ones vulnerable. Keep your children safe by including them in your family’s protection plan.
Child Protection
Protect your children in every moment.
Mortgage life cover
Peace of Mind for Your Mortgage
Protect your biggest investment. Mortgage protection ensures your family can keep their home if the unexpected happens.
Life’s a rollercoaster. Enjoy the ride. Protect yourself with affordable plans and enjoy peace of mind knowing you are covered when the unexpected happens.
Accident & Everyday protect
Are you ready for anything life throws your way?
FAQs
What is a protection adviser, and should I use one?
- Expert Guidance: Advisers specialise in insurance. They can assess your needs, explain complex policies, and help you choose the coverage that best fits your situation.
- Access to Multiple Providers: Advisers work with various insurance companies, allowing you to compare options and find the best rates and coverage.
- Simplified Process: Advisers handle the paperwork, applications, and claims processes, saving you time and effort.
- Independent Advice: Advisers act in your best interest, providing unbiased recommendations and ensuring you understand your policy.
- No Fees to You: You do not pay a fee for our services. We receive commissions from the insurance providers.
- Client Focus: Advisers work for you, not the insurance companies, and should always prioritize your best interests.
By utilizing the expertise of an insurance adviser, you gain access to valuable guidance and support, ensuring you have the right insurance protection in place. They should keep your best interest in the centre of everything they do.
Do I need to renew my personal insurance (e.g., life & critical illness or income protection cover) every year?
No, unlike some types of insurance like car or home insurance which renew annually, most life insurance and critical illness policies are purchased for a specific term.
- Term Expiration: At the end of the term, your coverage simply expires.
- Review and Adjustment: It’s crucial to regularly review your personal protection policy, especially during significant life events like marriage, having children, or experiencing a change in income or occupation. Your advisor can help you determine if your existing coverage still meets your evolving needs and recommend any necessary adjustments.
By regularly reviewing your coverage and consulting with your advisor, you can ensure that your protection policy continues to provide the necessary protection for you and your loved ones.
What is terminal illness cover?
Terminal Illness cover can pay out in full if the insured person is diagnosed with an illness which results in a life expectancy of less than 12 months. This is generally included with most life insurance policies at no extra cost.
Is the insurance pay-out tax free?
Yes, the policy pay-out is not subject to tax.
How do insurers define ‘critical illnesses‘?
Each insurer has specific criteria for what constitutes a critical illness, often based on the severity and stage of the illness. These criteria can vary significantly between insurers. Insurers typically rely on medical evidence, such as medical records and diagnostic tests, to determine if a claim meets their definition of a critical illness.
I have been made redundant; can I make a claim against my income protection policy?
No, income protection policies do not cover redundancy.
What happens if I stop paying premiums?
If you stop paying premiums, your insurance policy will lapse. This means it will no longer be in effect, and your coverage will cease.
Can I cancel my protection policy?
Yes, you generally have the option to cancel your protection policy. However, carefully consider your decision. Cancelling coverage may leave you and your loved ones vulnerable to unforeseen events. If you later decide to reinstate coverage, it may be more expensive or even unavailable due to changes in your health or age. We recommend consulting with your advisor to discuss your options and explore alternative solutions that may better suit your current needs.
Connect with us today!
Schedule your no-obligation appointment today and discover how we can help you navigate your mortgage process, and find the right protection policy for you and your family.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Accurate and complete information is crucial for processing your protection application and ensuring you receive the appropriate coverage. Misrepresentations may result in claim denials or policy cancellation. The protection plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
The information provided on this website is for general informational purposes only and should not be considered as financial advice. While we strive to keep the information accurate and up to date, we make no guarantees regarding the completeness, accuracy, reliability, or suitability of the information contained herein. Any reliance you place on such information is strictly at your own risk. We recommend consulting with a qualified financial adviser or mortgage adviser before making any financial decisions. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Danube Financial Solutions LLP is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Danube Financial Solutions LLP is registered in England and Wales with company number OC454931. Registered address: 6 Peacock Way, Worksop, S81 7SU
© Danube Financial Solutions LLP. All rights reserved.
2025
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