Under 'normal' circumstances, keeping your job, maintaining a regular income and providing financial security for you and your family, has of course always been important. 
It was also the norm (pre the new 'covid-19' environment we find ourselves in) to blindly have the luxury to take your time and search through insurance options, and making your decisions whilst selecting the best pen or furry animal toy along the way too. 
Wow, were we really enticed to take out cheap insurance ... just because we got a free pen as well??!! 
Think about it - the cost of a free pen or a furry toy animal is FAR MORE EXPENSIVE than the cost to your family to repair the financial devastation if the wrong policy was actually taken out. 
Now more than ever, it's time to take proper stock of what you are actually buying, to stop and look at the type of insurance you have in place, the features and benefits of the policies, the cost of cover and importantly, and to now check yourself and think whether the cuddly bear, cat, alien or the pen, really is the important factor or not. 
Either read on for all the other reasons and helpful notes which I am about to talk about, or CALL ME NOW ON 01206 577 266 OR EMAIL SUPPORTDESK@HDCONSULTANTS.NET and get the right policy in place asap. 
Really, how has your family's financial security been enhanced because you now have a free gimmick, which by now has already probably been stored, lost, broken or forgotten about? 
The time has come to 'stop the gimmick' and focus on what you truly need to financially support your mortgage, your business, your partner, your children, your heirs, your estate, your charities, your self! 
At H D Consultants, we have a long history (we were established in 1993) of providing quality advice, helping provide £hundreds of millions of life cover for numerous families and businesses. 
From single simple £10,000 policies, to complex structured £10million policies, we can scour the insurance market, find the most cost effective and best value products, and we will arrange them in Trust, for free, too.  
No fees, no advice costs, no toys, pens, gimmicks ... just proper, robust, protecting advice tailored to suit you and your needs. 
Really, what's actually more important? 
Life (or 'death') insurance, critical illness cover, income protection, mortgage cover, family life insurance, personal protection, business protection, shareholder cover ... we can help you with all of this. 
And talking about best value, what if you already have life cover in place? 
Did you know that you could possibly get far more cover for the same cost, or maybe we can reduce the cost and keep the same about of cover? Either of these options is a 'win win'. But leaving everything 'as is', could be far more expensive than you think. 
How much can we either save you each month, or enhance your cover by? 
Read on ..... Seriously, this happened recently ...... 
I have a Client who is paying just over £130pm for quite an old basic life insurance policy. No CI cover or any bells and whistles, just straightforward 'death insurance'. I requoted and can save this Client - over the remaining term - just over £4,000 in overall total monthly premiums. 
"thanks but I'll leave it for now, maybe next year" 
For a lower cost, the same cover .. or ... for the same cost, much higher cover.  
Either way, the 'as is' situation will COST this Client over £4k, or over £60,000 extra 'free cover' if they keep the premium the same.  
AND I offered to arrange a new Trust too (no Trust in place at the moment). 
So, "how much?" is the real cost of delay, of staying 'as is', of procrastination, of not taking advice .... TOO much in my opinion. 
Whether a policy for mortgage cover, family cover, business cover, personal cover .. contact me for professional advice, best value pricing and a personal service 
YOUR FIRST ACTION - Call us on 01206 577 266 or email your situation to us at SupportDesk@hdconsultants.net and see how we might be able to help you via our Team of qualified, experienced, authorised and independent experts. 
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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.  
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