As protection specialists we are able to help you in the following areas: -

1. Life insurance
2. Critical illness cover
3. Income protection (in case of ill health)
4. Accident sickness and unemployment cover
5. Business protection insurance (for example this will allow you to continue in business if your partner or shareholder dies or has a serious illness)
6. Private Medical Insurance
7. Buildings and contents insurance
8. Commercial insurance

When considering any type of protection or general insurance, many things need to be taken into account, the most important of which is how much this will cost.

As with mortgages, before making a recommendation, we will carry out a full assessment of your needs, taking into account such things as your current protection policies, your employer benefits and you budget.

Your circumstances will change over time and this means your protection needs will also need to be regularly reviewed and we will keep in contact with you over many years to come.

We will review your existing policies and change them if this is the right thing to do in order to get you the right or better cover or at a cheaper cost as the cost of cover has reduced over recent years.
Some of the products we can help you with are quite complex and for this reason we have specialised departments that we can refer you to so that you get the best advice available and these areas can include the following: -

1. Private Medical Insurance
2. Equity release*
3. Pension transfers and retirement planning

For 2 and 3 above we can introduce you to Sesame’s specialist departments who can provide you with the expertise needed
For Buildings, Contents, Accident, Sickness and Unemployment cover we usually offer products from a limited number of providers and for commercial Insurance we act as introducers only to specialised companies 

*Equity release refers to Home reversion plans and Lifetime mortgages. To understand the features and risks ask for a personalised illustration. Sesame Solutions can be paid for their advice by commission or by fee which is 1.25% of the total amount released, subject to a minimum of £1450.

Your property may be repossessed if you do not keep up repayments on your mortgage.

From the outset we will let you know how we get paid and this can be by way of commission from the lender, a fee from you or a combination of commission and fee. If paying by a fee only this will be £75 per hour. We offer a free initial interview/discussion to see if we are able and willing to work together to meet your mortgage requirements.

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