Under 45 with Health Issues

Targeted at individuals who are under the age of 45, but who find it challenging to secure insurance due to health implications, we can offer tailored policies with adjusted terms and premiums to accommodate higher risks, ensuring these individuals can still protect their loved ones financially in case of death.
Please complete the form below and one of our Support Team will be in touch.

If you are under the age of 45 and finding it challenging to secure insurance that covers unforeseen events such as disablement, permanent injuries, and child protection, we have a dedicated team of friendly advisors ready to assist you.

We understand the importance of comprehensive coverage and will take the time to discuss your specific needs and circumstances in detail. Our advisors will conduct thorough market research to identify and recommend the most appropriate insurance products tailored to your unique situation.

We recognise that budget considerations are crucial, and we will ensure that the recommended insurance plan fits comfortably within your monthly budget. Our goal is to help you provide a reliable safety net for yourself and your family, offering peace of mind should any unexpected events occur. With our expertise and personalised approach, you can confidently secure the protection you need, knowing that you have a plan in place to safeguard your financial future. Let us guide you through the process of finding the right insurance solution, ensuring that you are well-prepared for any eventualities that life may bring.

Important things to know
  • Our life insurance has no cash-in value – it’s a protection policy only
  • If you stop making payments your cover ends and you won’t get anything back
  • You can apply if you’re a UK resident aged between 18 and 70

Life Insurance

Life insurance guarantees a tax-free lump sum if you become terminally ill or pass away, offering crucial financial stability and peace of mind for your loved ones during their most challenging times.

Home Insurance

Home insurance safeguards your property and belongings from damages, theft, and liability risks, providing peace of mind amidst unexpected events. Our Landlord Insurance offers tailored protection for rental properties, including contents coverage separately from building insurance under managed service agreements.

Critical Illness

Critical illness insurance is a powerful safety net that provides a lump sum payout upon diagnosis of a serious illness, allowing you to afford specialised treatments, cover everyday expenses, and maintain your quality of life during recovery. It ensures that a health crisis doesn’t derail your financial security, offering peace of mind and enabling you to prioritize your health without the added stress of financial uncertainty.

FAQs

Your insurance documents will be forwarded to you by our Business Support and Aftercare Team either by Post, by Email or both.

You can contact our Business Support and Aftercare Team by E-Mail on [email protected] or by Telephone on 01257 542454

You can contact our Business Support and Aftercare Team by E-Mail on [email protected] or by Telephone on 01257 542454 and we will be happy to assist you in making any necessary amendments to your policy.

You should contact our Business Support and Aftercare Team by E-Mail on [email protected] or by Telephone on 01257 542454, where a member of the team will be able to assist you.

We will contact you prior to the renewal date to remind you that the policy is due to expire and assist you in exploring your options.

Yes. Any offers will be confirmed at the point of sale.

A Trust is a simple legal arrangement that allows you (the Settlor) to gift your Life Insurance policy to someone else (the Beneficiary). It’s a great way to ensure that your Life Insurance is not considered to be a part your estate when you die. Setting up a Trust means that you give your policy to the Trustees who then legally own that policy and look after it for the benefit of your Beneficiaries. You will still be responsible for paying the insurance premiums, but the Trustees will be responsible for keeping the Trust Deed and any other documents safe. They make the claim on your policy and ensure that the money goes to your Beneficiaries as you intend. There are also inheritance tax benefits, because the value of your policy in the Trust is not generally considered to be part of your estate, leaving more for your Beneficiaries. Putting your policy into trust is completely free of charge and ST&R can assist you in arranging this.

Our Aftercare Team will be happy to assist you in setting up the New Trust and should be contacted by telephone on 01257 542454, or by Email on [email protected]. We are also able to arrange a telephone appointment with a member of our team, at a convenient date and time for you, in order to talk through the Trust Forms and ensure that you are confident in completing them and answer any other queries which you may have.

If you’re experiencing short term financial difficulty, for example:

– you’re in-between jobs with a known future start-date, or

– you’re on temporary unpaid leave to provide short-term care for a family member

you may be able to take a break on your payment(s) and make up the payment(s) later. This is called a ‘payment deferral’. If you’re able to take a payment deferral, you would remain covered ⁠– keeping your current benefits and level of cover.

Please contact us to discuss your individual situation and we’ll do our best to support you.

For help with managing your finances, you can find free and impartial support, guides and tools on the MoneyHelper website.

Yes. You are free to cancel your Life Insurance policy at any time, however we would always recommend that you take advice before proceeding to cancel your policy.

If you wish to register a complaint, please either:

write to: ST&R Limited, Lingmell House, Water Street, Chorley, Lancashire, PR7 1EE.

or Email [email protected]

or telephone 01257 542454.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on
0800 023 4567.

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