Zurich has reported 17.9 million working days were lost due to work related stress, depression and anxiety in 2019/2020** 
Just like our physical health, our mental health needs to be protected.  
Depression, stress and anxiety can also create physical ill health.  
And this could impact you and your family financially if you need to take time off work.  
Whilst the NHS is a fantastic service we have in the UK, it usually comes with long wait times for mental health assessments and support. If you are facing a difficult, challenging point in your life, the wait times may feel never ending. 
Many insurance policies come with value added benefits, some at no extra costs.  
The insurance Company's relationship with you does not start and end with a claim. As a client, you may be entitled to their independent team of counsellors, advisers and legal experts. They are available 24 hours a day, 7 days a week and can be utilised as soon as your policy goes live.  
Taking advantage of these services does not class as a claim so will not affect your monthly premium or live policy. 
What can these services include? 
Referrals to specialist organisations and services, support with education, teenage issues and childcare sourcing, debt and money management help, legal information such as consumer rights, problems at work and relationship and family matters.  
All fantastic benefits included with your insurance policy. 
Are you aware of the value added benefits you have with your existing policy?  
Let me review the policy today to check it is fit for purpose, that you are paying the right premium and advise of the value added benefits you can start taking advantage of.  
If you do not currently have a policy in place, let’s get you protected! Book in for a free and full financial review. 
Victoria Bennett 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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