Hussaria GroupInsurance advice
Protection built
around what you
would actually lose
Life cover, income protection, critical illness and family protection. The starting point is what would happen to your household if an income stopped, not which policy is cheapest.
What we arrange
Cover we
advise on
Most households are either uninsured against the thing most likely to happen to them, or paying for cover that does not do what they think it does. The review is worth having either way.
Life cover
A lump sum or an income for your household if you die during the term, commonly arranged alongside a mortgage so the property is not at risk.
Income protection
A replacement income if illness or injury stops you working. Statistically the most likely claim, and the cover most often missing.
Critical illness cover
A lump sum on diagnosis of one of the conditions defined in the policy. Definitions vary considerably between insurers, which is where the comparison matters.
Family protection
Cover arranged around dependants rather than around a single debt, including cover for a non earning partner whose absence would create real cost.
Over £10 million in insurance claims supported. Based on internal data from recent years. Figures are indicative and do not guarantee future outcomes, and every claim is decided by the insurer against the policy terms.
How we approach it
Cover is only useful
if it pays out
Which is why the work sits in the detail: the definitions, the exclusions, the deferred period and whether the policy is written in a way that reaches the right people.
We start with the gap, not the product
What income stops, what still has to be paid, and for how long. The figure that comes out of that determines the cover, rather than the other way round.
We compare definitions, not just premiums
Two critical illness policies at the same price can differ substantially in what they actually cover. That difference only shows up at claim.
We explain what is excluded
Pre existing conditions, deferred periods and policy limits are set out before you apply, not discovered afterwards.
We review it when life changes
A policy arranged around a first mortgage rarely fits after a second child or a move. Cover that is never reviewed tends to stop matching the household it protects.
Common questions
Protection
questions
Straight answers on the questions that come up most often when protection is discussed for the first time.
Do I actually need income protection if I have life cover?
They cover different events. Life cover pays out if you die. Income protection pays out if you cannot work. For most working households the second event is considerably more likely than the first, which is why it is worth considering even when life cover is already in place.
Is cover through my employer enough?
It depends on how long it lasts and what happens if you change jobs. Employer sick pay commonly runs for a defined period and then stops, and cover usually ends when the employment does. Knowing the length of that period is the starting point for deciding whether anything further is needed.
What happens if my health has changed since I took out a policy?
An existing policy is generally assessed on the health information given when it was taken out, which is one reason cancelling an older policy before a new one is in force can be a costly decision. We would always want to see what you already hold before recommending any change.
Will you help if I need to claim?
Yes. Supporting clients through claims is part of the service rather than a separate matter, although the decision on any claim rests with the insurer and is made against the terms of the policy.
Insurer panel
Insurers we
work with
We compare cover across the providers below rather than working from a single insurer’s range, which matters most where policy definitions differ.
A selection of the insurers we work with. Product availability and underwriting criteria change regularly, so the panel that applies to your own case is confirmed during your appointment.
Find out where the gap is
A short conversation is usually enough to establish whether your household is covered for the thing most likely to happen to it.