Free Consultation

You can have a free initial consultation, with a financial adviser/advisor. There's no fee, no catch and no obligation on your part.  We can call you to arrange a time that suits you. No pressure, no problems!

It takes time to provide quality investment advice, so Millhaven, (Reading), gives plenty of time to gather all the necessary information, to provide the required investment advice, that you require and deserve.

Please feel free to call Millhaven on, (Reading), 0118 958 6562

E Mail Millhaven on:- stuart@slawes.fsnet.co.uk

Or click on NEXT below for direct message service.

And remember Millhaven, (Reading), offers:

Mortgage solutions, remortgaging strategies, pension planning, investment advice, protection plans, retirement options, drawdown, pension transferrs, and finanial planning for private clients and for corporate clients.

Some of the areas Millhaven cover:-

Reading, Wokingham, Newbury, Windsor, Eton, Ascot, Maidenhead, Henely On Thames, Marlow, Oxford, Bracknell, Slough, Cookham, High Wycombe, Wallingford, Hungerford, Swindon, Basingstoke, Camberley, Berkshire, South of England, London.

 

Economic Situation For:-

March  2011  (released 12/04/11)

Economic Cycle: Coming from recession into slow upswing.

Inflation (annual):

CPI (index used across Europe)   4.0%

RPI (all index)                                    5.3%

RPI (excluding mortgages)            5.4%

GDP (country's income) up 1 yr     1.8% 

GDP for the last 3 months up         0.5%

Average pay (2009 figs)               £25,948

Unemployment rate, Dec/ Feb 2011   7.8%,

Average house price Dec 2010 £162,763 (over 6 times average earnings - high). Too high for first time buyers. House prices expected to drop by up to 10% during the first part of 2011 according to commentators. Market semtiment - rather gloomy, with increases in fuel duty, VAT, and national insurance coming up early in 2011.

 

 

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Accident, sickness & unemployment cover

What is it?

Accident, sickness & unemployment cover, shortened to ASU or known also as mortgage payment protection, is designed to provide you with an income to pay your mortgage and other outgoings if you are unable to work due to an accident, sickness or involuntary unemployment. 

This type of insurance usually pays out for a maximum of 12 months, so is a short-term solution. It is particularly advisable for self-employed people, who are reliant on their income to cover their financial commitments, to consider how outgoings would be met, even for short incapacities.  If you would prefer an insurance policy that pays out for longer than this, it is possibly more beneficial to consider Permanent Health Insurance, also known as Income Protection Cover instead.

What’s covered?

With ASU cover, you can generally insure up to 60% of your current income, although this does vary between insurers.  It’s reasonably flexible, and will allow you to choose whether you would like:

· just accident and sickness cover;
· just unemployment cover;
· or the whole package of accident, sickness and unemployment. 

Should you need to make a claim this type of policy will pay out after the deferred period, which is usually one month.  Benefits will then be paid to you for the specified period, which is usually 12 months.

Things to watch for

· Lenders will often try to persuade you to take out ASU when embarking on a mortgage or remortgage. But ASU is a standalone product and it’s definitely worth shopping around for the best premiums.

Rather than trawling the growing ASU marketplace yourself, why not contact us and leave us to do all the hard work.

 

We usually offer Accident, Sickness and Unemployment Insurance from a single provider.

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