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WHAT WE OFFER

Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.

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IFAs

While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.

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MORTGAGES

We know how time consuming it can be to establish exactly which mortgage is right for you. Our financial advisers can help you select the best mortgage available, and help with the paperwork that comes with it.

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FINANCIAL ADVICE

When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.

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SAVINGS & INVESTMENTS

There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.

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TAX PLANNING

Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.

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PENSIONS & RETIREMENT

As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.

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ESTATE PLANNING

Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.

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EQUITY RELEASE

Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche are regulated by the FCA to advise and sell equity release products.

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INSURANCE

Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche, we can help decide what type and level of insurance is suitable based on your current situation.

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LONG TERM CARE

Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.

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SERVICES TO OTHER IFAs

We are a firm of Chartered Financial Planners with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.

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Insurance

INSURANCE

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Accident, Sickness and Unemployment Cover

Accident, Sickness and Unemployment Insurance

What is it?

Accident, sickness and unemployment insurance, also known as ASU, pays a percentage of a person's mortgage payments if they are unable to work due to an accident, if they are sick or if they have been made redundant.

The insurance will continue to provide you with payments for up to two years or until you have returned to work. Usually the payment will start between 30 days and 60 days after you claim, this is usually so that the insurance can verify what you claim. What's important to understand is that most policies will not give unemployment cover to casual, part-time workers or the self-employed.

What are the terms?

Terms and conditions naturally vary from policy to policy but here are a few of the most common:

  1. There is often a delay before the unemployment element of the cover starts
  2. Once you make a claim, usually there is a waiting period (often 30 or 60 days) before the policy starts to pay out
  3. Policies usually pay out only for a limited period, e.g. 12 or 24 months
  4. Most policies will not cover any claims related to health problems that already existed when you started the policy. Typically, this extends to illnesses and conditions you were treated for, or should have been aware of, during the 12 months (and sometimes longer) before the policy started
  5. Some illnesses may be excluded altogether

Do you need accident, sickness and unemployment insurance?

  1. Yes, if the cover clearly applies to you, e.g. if you are a permanent, full-time employee in good health
  2. Yes, if you have no other means to repay the mortgage
  3. No, if you have other sources of income to repay the mortgage
  4. No, if cover would not apply to you, which is possible if you are a contract worker, part-time employee, self-employed or have existing health problems
  5. No, if you already have enough cover (perhaps through permanent health insurance [PHI] or through your employer)

How much does it cost for ASU?

The premiums can vary from company to company and the price can change depending on what exclusions are in the policy as well, we suggest that you look into all of the possible drawbacks or contact a professional IFA to get professional advice

What can we do for you?

When you contact us we will collect your information and make sure that we can get you the exact level of cover that you need. We will then contact all of the different providers so that we can get you the best possible deals. After we have established what the best deal is, we will then help you fill out the different forms and paperwork.