Personal Protection & Private Medical Insurance

Safeguard Your Future

Protecting yourself and your loved ones from life’s uncertainties is paramount. At Lazenby’s Financial Services in Leeds, we provide comprehensive and independent advice on Personal Protection and Medical Insurance Products, ensuring you have the right cover in place when you need it most.

NB: Financial protection policies typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.

Private & Family Health Insurance

Skip the queues and receive priority treatment with private medical insurance, giving you access to a wider range of specialists and hospitals when you need them most.

Life Insurance & Mortgage Protection

Provide financial security for your loved ones in the event of your passing. We offer a variety of life insurance and mortgage protection options to suit your needs and budget

Critical Illness Cover

We can also advise on various other protection products like critical illness cover, offering a comprehensive safety net for your future.

Income Protection & Family Income Benefit

Safeguard your financial well-being in case of illness or injury with income protection insurance, ensuring a regular income stream to meet your living expenses.

Why Choose Lazenby's for Your Income Protection Needs?

With so many different types of policies available, it can be difficult to know what you need, and what you don’t. Lazenby’s offer:

Expert Guidance: Our experienced advisors will assess your individual circumstances and recommend the most suitable Personal Protection and Insurance products for your unique situation.

Unbiased Recommendations: We have access to a wide range of policies from leading providers, allowing us to offer truly independent advice with no bias towards specific companies.

Complete Transparency: We explain all policy details in clear and understandable language, ensuring you fully understand the coverage and any potential exclusions.

Exceptional Client Care: We prioritise building long-term relationships with our clients, providing ongoing support and ensuring your policies remain relevant to your changing needs.

If you have existing medical or life insurance – or any other type of cover – we’ll review your policies and offer alternatives where better options are available. We’ll find the perfect policy that balances your needs with your budget. With access to the entire marketplace, we’re confident that you won’t find better anywhere else.

Expert Life, Medical And Family Health Insurance Advice

With so many different types of policies available, it can be difficult to know what you need, and what you don’t – but our experience and advice will help you to make informed, effective decisions.

If you have existing medical or life insurance – or any other type of cover – we’ll review your policies and offer alternatives where better options are available. We’ll find the perfect policy that balances your needs with your budget, and with access to the entire marketplace, we’re confident that you won’t find better anywhere else.

Peace of Mind Starts with a Free Consultation

Schedule a Free Meeting: Discuss your personal circumstances and protection needs with our qualified advisors to explore the best insurance options for you.

Customised Protection Plan: We create a personalised protection plan encompassing all your requirements, ensuring complete financial security for you and your family.

Ongoing Support: We regularly review your protection needs and existing policies, recommending adjustments as needed to ensure your coverage remains optimal.

NB: The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Past performance is no indicator of future performance, and investments can go down as well as up.

Personal Protection FAQs

What is the difference between personal protection and private medical insurance?

Personal Protection Insurance: Protects your income in case of illness, disability or accident. This ensures you can maintain your financial security even if you are unable to work.

Private Medical Insurance: Provides access to private healthcare facilities, specialists and treatments often not readily available through the NHS. This can significantly reduce waiting times and offer more choice in your medical care.

What type of personal protection insurance do I need?

There are several types of personal protection insurance, including:

Income Protection: Replaces a portion of your income if you cannot work due to illness or disability.

Critical Illness Cover: Provides a lump sum payment if you are diagnosed with a critical illness, such as cancer or heart disease.

Life Insurance: Pays a financial benefit to your beneficiaries in the event of your death.

A financial advisor can help you assess your needs and recommend the most suitable coverage.

Do I need private medical insurance?

Whether you need private medical insurance depends on several factors, such as:

Your health: If you have pre-existing medical conditions or anticipate needing specialist care, private insurance may be beneficial.

NHS waiting times: Consider the typical waiting times for treatment within the NHS for procedures you may need.

Budget: Private medical insurance can be expensive. Weigh the cost against the potential benefits.

How much does personal protection and private medical insurance cost?

The cost of both types of insurance depends on several factors, including:

Your age and health: Younger and healthier individuals typically pay lower premiums.

The level of cover: More comprehensive coverage comes with a higher cost.

The chosen provider: Different insurance companies offer varying prices for similar coverage.

What are the key factors to consider when choosing personal protection and private medical insurance?

Your needs and budget: Consider your health situation, potential risks and how much you can comfortably afford for premiums.

Type of cover: There are various options within both personal protection and private medical insurance. Choose the ones that best suit your specific needs.

Policy details: Carefully review policy details like coverage limits, exclusions and excess amounts (deductible).

Claim process: Understand the process for making claims and how long it typically takes to receive payouts.

Reputation of the insurer: Research the insurer’s financial stability and customer service reputation.

What are the advantages of combining personal protection and private medical insurance?

Comprehensive protection: Provides financial security in case of illness, disability, or death, while also offering access to faster and potentially better healthcare.

Peace of mind: Knowing you have a safety net in place for various eventualities can significantly reduce stress and anxiety.

Improved health outcomes: Early access to specialists and treatment through private medical insurance can potentially lead to better health outcomes.

Financial security for your loved ones: Personal protection insurance ensures your family won’t face financial hardship if you can’t work or pass away.

By combining these two types of insurance, you create a more holistic approach to safeguarding your financial well-being and health.