Life, Critical Illness & Income Protection Insurance Advice

Giving you peace of mind

Helping you protect the things that are important to you.

Broadland Consultants Ltd’s professional and experienced Independent Insurance Advice team, who service clients in Norwich and Norfolk, are able to provide insurance advice on a personal or commercial basis giving you peace of mind and protecting the things that are important to you.

Broadland Consultants Insurance Services

Choosing the right insurance for Your circumstances

After fully reviewing your circumstances, our Independent Insurance Advisers will research the whole market for you, to establish the best solution for you.

Life insurance can help protect you and your family’s financial security. It pays the sum insured which could be used to:

  • Address an outstanding debt such as a mortgage
  • Provide emergency funds to assist a partner or dependents
  • Provide a replacement income into your household in the event of death or earlier critical illness

The payment from the insurer is made in the event of your death. We can also assist you in setting up relevant Trust documents and a Will (via our professional legal contacts) for the above, ensuring that, should the worst happen, the policy distributes quickly and to the correct people.

The insurance can be set up to pay a lump sum, and income or both.

Critical Illness insurance can help protect you and your family’s financial security. It pays the sum insured which could be used to:

  • Address an outstanding debt such as a mortgage
  • Provide emergency funds to assist a partner or dependents
  • Provide a replacement income into your household in the event of death or earlier critical illness
  • The payment from the insurer is made on the diagnosis of a critical illness that is covered by the insurer.

The insurance can be set up to pay a lump sum, and income or both.

Income protection insurance can help protect your income in the event of an illness or disability that prevented you from working in your chosen career. Should the worst happen, and you cannot work due to poor health, after your selected waiting period, a replacement income can be paid from this type of plan, if requested to your state retirement age. This can help protect you, your family, or business by replacing a percentage of your lost income.

Relevant Life Insurance is a tax-efficient life insurance policy, allowing companies to offer a death-in-service benefit to its employees (including salaried directors). It’s set up by the company and pays out a tax-free, lump sum on the death (or diagnosis of a terminal illness) of the person insured.

Business Loan Life Protection Insurance can be similar to personal life insurance taken out to cover a mortgage, but for repaying debts of a business. In the majority of cases, you can protect the full amount with life cover, or life and critical illness cover.

Business Directors / Share Protection Insurance can help business owners ensure that in the event of the death of a business owner, that emergency funds are available to the business to buy back the deceased share of the business from their estate. These plans can also be set up to assist in the event of serious illness. Our expert team can also assist business owners in setting up and agreeing the relevant Cross Option and Trust Documents that are generally required with this area of financial planning.

Key Person / Key Man Insurance can assist business owners to ensure that in the event of death or serious illness of a key member of staff, that emergency funds are paid into the business to supplement lost turnover and assist towards recruitment costs and additional wage costs for a replacement staff member.

Whole of Life Insurance and Gift Inter Vivos Insurance can assist with inheritance tax planning matters.

Private Medical Insurance can help with getting fast private medical treatment for you and your family or key members of staff.

As we have direct access to the insurers underwriters, who make the decision about whether to offer cover or not, we are able to review the market to establish if Life or Serious Illness insurance is available for clients with health conditions such as: Diabetes / Diabetics, High Blood Pressure, above average Body Mass Index and Hereditary conditions. We can also assist with clients with higher risk jobs such as working off shore or higher risk leisure activities such as private aviation.

Why choose Broadland Consultants?

  • Unbiased And Unrestricted Whole Of Market Insurance Advice. This includes your existing insurer.
  • One Easy Meeting Saving You Time. Broadland Consultants complete the insurance paperwork for you, and manage the application(s) all the way through to a successful completion.
  • A Meeting At A Time And Location Convenient For You. Meet at Broadland Consultant’s head office with free, easy parking or home/workplace meetings also available. We also offer evening appointments on request.
  • An Opportunity To Save You Money. Why speak to your own insurer only which only has their own insurance products? Broadland Consultants expert insurance advisers can review the whole market for you and arrange the best possible plan for your circumstances.

We Are Here To Help You

Meet The Insurance Team

Simon Gilvey

 

Director

Russell Carter

(Cert PFS Cert CII (MP) )

Associate Consultant

Chris Spinks

(CeMap )

Associate Consultant

Connor Simpson

(CeMap )

Associate Consultant

Jonny Balchin

(BAhons Dip PFS CeMap ER1 )

Associate Consultant

David Weeds

(Cert PFS )

Associate Consultant

Howard Jones

(CeMap )

Associate Consultant

Samuel Rock

(CeMap )

Associate Consultant

Daniel Howell

 

Associate Consultant

Three Steps To Success

We will help you every step of the way

Our expert insurance advisers are here to help you through the whole process of researching and arranging the very best financial solution for your specific circumstances.

01

Free No Obligation Initial Consultation

Contact Us to arrange a free, no obligation initial consultation.

02

Meet With Our Advisor

We can meet you at your home or office or at one of our office locations. Alternatively via video conference or telephone

03

Let Us Handle The Paperwork

Once we find the right deal, we will collect all relevant paperwork and process all the required admin on your behalf.

What People Say About Us

Client Testimonials

  • Hello Simon, I just wanted to pass on my thanks for the amazing service Broadland consultants gives. Last year I decided to use Broadland Consultants to look at my pension provision.  I had a number of schemes that although were performing they all had a high commission charge.  They were all amalgamated into one scheme, a low risk safe choice as I am now well into my 50’s.  I have just had my first years statement and was very happy to see a growth of almost £35,000.  I now feel much happier and relaxed about being ready for retirement. I am in the process of moving and am using Broadland Consultants to help with the mortgage.  They came to my house for a 7.30am arranged appointment, allowing us not to have take time out of work.  By midday a mortgage had been approved in principle and three days later a survey on the new property had been carried out and the mortgage approved.  It has to have been the smoothest easiest experience of getting a mortgage I’ve experience in 30 years. I would thoroughly recommend Broadland Consultants, no hard sell and they listen to what you want to get out of your situation. Many thanks Brian
    Independent Wealth Management and Investment Advice, Pensions, Independent Mortgage Advice, Independent Financial Advice, Investment Advice, Independent Financial Adviser, Independent Financial Advisor, Pension Advice, Pension Adviser, Pension Advisor, Investment Adviser, Investment Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • I received, what I consider to be the Rolls Royce of service. The advisor was friendly, polite, courteous and at every stage of the advice kept in close telephone contact, always ringing when he promised to. He provided me with a wide variety of options explaining and guiding me every step of the way, whilst leaving me to make my decision with confidence. My concerns were listened to and I was given a quality, individual service putting all my financial affairs in order.
    Equity Release, Life Time Mortgage Advice — Aylsham, Norfolk
  • Howard! Many thanks for helping us sort out our mortgage for the house!! I don’t know what we would have done without you. As you can imagine moving has been hectic and I apologise for the slowness of our appreciation!
    Independent Mortgage Advice, Critical Illness Insurance Advice — Norwich, Norfolk
  • We look forward to seeing you again soon. In the meantime, we would like to thank you for all your patience, your own considerable hard work and that of your colleagues at Broadland Consultants, in bringing about a satisfactory conclusion to yet another episode in our family history! I am sure our parents would be very pleased with this positive outcome
    Independent Wealth Management and Investment Advice, Investment Advice — Norwich, Norfolk
  • Dear Simon, Thank you very much. I couldn't express my satisfaction enough for your help and look forward to seeking it again in the future
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Buy to Let Mortgage Advice, Mortgage Broker, Independent Financial Adviser, Independent Financial Advisor, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • I am blown away by the way you go out of your way to help people – this is amazing, thank you so much. I have just sent that letter and the certificate you kindly produced for us to Sarah at Watson.
    Independent Mortgage Advice, Income Protection Insurance Advice — Norwich, Norfolk
  • I would definitely recommend Broadland Consultants. A big thank you to Howard Jones for his support and advice with my mortgage and also life insurance. It definitely made the whole process less stressful and with the knowledge I was getting the best deal, on the market, for my circumstances. Thank you.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Thanks so much for helping us both on this matter and we are both very grateful. I’m really glad that I met you Simon you are a person who keeps his word like me.
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Life Insurance Advice, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • Dear Howard, thank you so much for the mortgage advice! Great service, hard work and support! We will definitely recommend you to all our friends! We are really appreciated it! Thank you for sorting out our life cover also. We are in our crazy preparations to move into our new home. We are looking forward to seeing you in 5 years’ time. Best Regards E & K and family xxxx
    Independent Mortgage Advice, Independent Financial Advice — Costessey, Norfolk
  • Hi Connor, I just wanted to say a huge thank you for all of your help in securing my mortgage and arranging my life insurance. I finally completed on the property today, which is just an amazing feeling. You are amazing at what you do and have by far been one of the best professionals that I have used during this process. Thank you. Kind regards
    Independent Mortgage Advice, Income Protection Insurance Advice, Independent Life Insurance Advice, Equity Release, Life Time Mortgage Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Life Insurance Advice, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk
  • You really do go the extra mile, Simon, and we are both really impressed with how you’ve helped us so far.
    Independent Life Insurance Advice — Norwich, Norfolk
  • Just a quick note to say the contracts have now been exchanged and completion will go through tomorrow!! Thanks again for all of your help with this, and the life insurance policies.
    Independent Mortgage Advice, Independent Financial Advice, Equity Release, Life Time Mortgage Advice, Critical Illness Insurance Advice, Buy to Let Mortgage Advice, Insurance Advice, Mortgage Broker, Mortgage Adviser, Mortgage Advisor — Norwich, Norfolk

Contact Us For A Free No Obligation Initial Consultation

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Call 01603 343007

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