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Insurance & Protection

The right insurance advice for you.

This section provides helpful information on the different types of protection products available, and how GRD Financial Services Ltd can assist you in your search for the right protection for you and your family (terms and conditions here), in Mawdesley, Ormskirk, Preston, Longton, Blackburn and wider Lancashire, providing you with an up to date quote within 24hrs of QUOTE ME.

Family Assurance

Family Insurance 

Family assurance is one of a few different options most insurance companies offer through their healthcare insurance packages. As opposed to single coverage or additional coverage of a dependent spouse or only child, family insurance covers all eligible dependent children as well as you and a spouse.

Critical Illness Insurance             

Although Critical Illness cover is sold by life assurers, there is a big difference when compared with life assurance - you don't have to die to benefit from the Critical Illness insurance policy. This type of cover is designed to pay out a tax-free lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. Click here if you require a quote. 
Critical Illness Assurance
Income Protection
Income Protection Insurance is designed to pay you a regular tax-free monthly income if you are incapacitated and unable to work due to illness or injury. Income isn't just about a wage, it's about life. Think of all the items your wages fund. 
   - Your home
   - Your Family
   - Your Car
   - Your Hobbies
   - Your Pets
Your passions, be it a pint at the local pub, or supporting your favourite sports club or activity.  Could you afford any of these if you were of work due to accident or illness? GRD can now offer Income Protection for amateur Sports People, protecting you against loss of wage due to injury, Show jumping or Rugby persons, Statutory sick pay is £88.45 per week. Could you live off that?  Click here for your quote today. 

Life Insurance 

 It's level, because the payout you get is fixed from the start of the term until the end. Thus, level term assurance is designed to pay out upon death or critical illness within a fixed time: e.g. £150,000 if you die within the next 18 years. Click here if you require a quote.
Level Term Assurance
 Buildings and Contents Insurance           
Building and contents insurance is a term describing personal coverage very similar to business property coverage. Building and contents covers not just the property you live or work in but also the valuables inside. When your home is damaged in a natural disaster, electric fire, break in or other unforeseen event, building and contents coverage will replace your home and the valuables inside.

Click here for your quote today. 
Mortgage Life Assurance

Mortgage Protection / Life Insurance 

Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. Click here for your quote today. Your property may be repossessed if you do not keep up repayments on your mortgage.

What is Whole of Life Assurance?

Whole of Life assurance is designed to pay out in the event of death, whenever it occurs. The premium you pay also includes an investment element which helps to pay for the cost of cover over time. The cost of cover can be more expensive than term assurance, but there is usually a claim value too.
Whole of Life Assurance

Here to source specialised insurances for Amateur Sports

protecting your future
It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our hobbies, home, health and loved ones. 
Sports insurance in a provision for those amateur sports people, whose lives depend upon their income. Providing protection against accident or illness, supporting your lifestyle and your ability to fund it. 
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