Life Insurance for Families, Mortgages, Landlords and Businesses 

Life Insurance 
We all know that life insurance provides financial protection and security for a specific period of time - either for a term of years, known as ‘term assurance' or alternatively the policy continues until the insured person dies, and this is known as permanent 'whole-of-life' policy arrangements. H D Consultants provides our Clients with access to all types of life insurance policies. 
If the policyholder dies whilst the policy is in force, the insurance company pays out the proceeds of the relevant sum insured i.e. the claim. However, if you survive until after the end of the term, the policy simply ends.  
This is just like car insurance, home insurance etc., i.e. you will benefit from having peace of mind during the vulnerable period that you are covered, and if you don't need the cover anymore, so you can stop it at anytime. 
H D Consultants can also help with a wide range of other personal insurances, too, including income protection, critical illness cover, accident and redundancy cover 
Who needs life insurance? 
Individuals, couples, families, residential mortgage / loan borrowers, businesses, partnerships, shareholders, Buy To Let mortgage owners, key persons, groups of employees, self employed, parents .... are you in any of these categories? 
If you already have life insurance, is it worth switching? 
In the last few years, life insurance costs have reduced. Speak to one of our team of Advisers to see if you can get a better premium. But it’s not just about cost, it's crucial that you should also ensure that you keep your cover up to date, too. Many people change their mortgages, but forget to update their policies at the same time. Reviews are fundamental to sound financial planning. 
We recommend that you should review your policy annually to make sure your premiums are still competitive and that you still have the right amount of cover in place. And we are one of the few Adviser Firms who not only have a robust Trust implementation strategy, but we also have a comprehensive guide for Trustees who we like to speak to, or see, to ensure they actually know what they need to do at the time of claim. 
You may need to amend your cover if: 
You've had a(nother) child 
Your job has changed 
You’ve arranged a new or larger mortgage 
You now wish to add in extra benefits such as critical illness cover 
Our team of Advisers are trained, qualified and experienced and are available to help you plan your life cover strategy, whatever your requirements. 
To discuss your life insurance requirements, fill in our contact form below and an Adviser will call you back. 
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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