Critical Illness Cover is something we are passionate about. Protection is crucial to safeguard against future uncertainties. We understand this isn’t a topic you want to dwell on, so we’ve made it easier for you! You might have heard that Critical Illness Cover is too expensive or that insurers are unlikely to pay out. However, …
All ready for the tennis this month! Do you have your racquets and balls ready to go? What about insurance? Have you thought of personal accident plans for your children? It’s not something you like to think about, but it’s on all parents’ minds. Whether it’s watching your little one save a goal, seeing them …
Standalone Children’s & Adults’ Personal Accident Plans (Hive) Read More »
Recent research from MetLife UK shows a large gap in income protection. Over half of working parents don’t have a financial plan in place if their child experiences illness or injury. The research shares that 50% of parents wouldn’t be able to survive longer than three weeks without pay if they had to take time …
Are you covered if your children need time in hospital? Read More »
Four in five young adults consider taking out critical illness cover (CIC) once they understand the product. But the biggest holdback is understanding CIC—or even hearing about it! CIC can help protect your family should you fall ill or need medical treatment. This cover ensures the bills are paid while putting food on the table …
Why four in five young adults are considering critical illness cove Read More »
Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help your children/grandchildren have the wedding of their dreams. It may also fund your income for the year. So this could help you take time off to help the kids. Or help you plan and enjoy your …
How much does a wedding cost today? Did you know you can use equity release for gifting? Read More »
As we go into the holiday season, no one wants to think about what could go wrong on holiday. But medical emergencies, cancellations, and lost or stolen luggage can happen. Don’t let an unexpected event ruin your travel experience. Travel insurance provides you with peace of mind! In the UK, there are several types of …
As we go into the holiday season, have you thought about Travel Insurance? Read More »
A mortgage holiday might sound intriguing. But firstly, it’s for those experiencing temporary financial difficulty. We investigate some reasons you may need one. Plus, essential factors you need to consider. What is a repayment holiday? It’s a temporary period while your lender pauses your monthly loan repayments. It’s only an option for a few months. You …
In a world where the future is uncertain, one thing remains constant: the need for protection. For those born between 1981 and 1996 (hello, millennials!), planning for the future might seem daunting. Or may have just slipped to the bottom of the list among everything else on your to-do list… After all, this is the generation …
Why millennials should care about general insurance: planning for the future. Read More »
Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, stress …
Did you know there is insurance that will pay you your salary? It covers you if you are too sick to work or have an accident and can’t work. Depending on what you can afford, income protection can support you. Or for an agreed amount of time. Here are just a few reasons why income …
Discover the safety net: how income protection can safeguard your future and lifestyle Read More »
Black & Gold Financial Services Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.
Black & Gold Financial Services Limited is registered in England and Wales no: 11034815. Registered address: 197 Elliott Street, Tyldesley, Manchester, M29 8DR
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK
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