Reviews and Ratings for Financial adviser Robert Ducker, Bournemouth

Life & Mortgage Protection

Income Projection Insurance

This was earlier known as permanent health insurance (PHI), a sort of long term protection that offers you full payment if you’re unable to work due to injury or illness. In a normal situation, this coverage offers payouts until retirement, death or return to work. Income protection insurance doesn’t offer payouts if you’re unemployed, but will offer back to work assistance if you’re off sick. For more information, contact Mortgage Marketplace today.

What are the payments based on?

Income protection payouts are based on a percentage of your income, normally 50% to 70% (www.aviva.co.uk/lifeinsurance). All payouts are tax exempt. Please note that the payments are only possible after the pre-agreed period is over, which is normally between one and twelve months. The deferral period will impact on the premiums due.

What you stand to gain?

Market studies carried out by Unum and Personnel Today have shown that only 12% of employers help their staff for more than a year if they’re off sick from work. Considering the low level of level of state benefits currently available, taking steps to protect yourself is a very wise decision.

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Our Other Services

Mortgages at Lifetime Mortgage Market

Mortgages

Lifetime Mortgages can provide flexibility to meet your requirements.

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Life Insurance at Lifetime Mortgage Market

Life Insurance

It always makes sense to have plans in place to safeguard the financial security of your loved ones should something happen to you...

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Life & Mortgage Protection at Lifetime Mortgage Market

Life & Mortgage Protection

Income protection payouts are based on a percentage of your income, normally 50% to 70%. All payouts are tax exempt...

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Terms and Conditions

Our charges are based the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application. We offer a bespoke service and our fees can vary. Our usual set fee is only paid on completion and is £995.00. If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 1% of the loan value.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Wills, IHT, Trusts, Power of Attorney and Funeral Plans are not regulated by the Financial Conduct Authority.

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. Lifetime Mortgage Market is a trading style of Robert Ducker FCA number 940228, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Limited is registered in England and Wales with Company number: 09863667. Registered Office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH.

We also confirm that any advice required outside of Equity Release Lifetime and Retirement mortgages will be referred to our authorised specialists.

Legal

The Financial Conduct Authority does not regulate some investment mortgage contracts. Calls may be recorded for training and compliance purposes.

This is a Lifetime mortgage, to understand the features and risks, ask for a personalised illustration.

Under no circumstances should any of the information contained within this website be construed as "advice". You should seek professional advice in respect of your own circumstances.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.