1. Lets have a chat
We’ll understand your circumstances and what you’d like to protect.
Financial Protection
Protect what matters most.
Life doesn’t always go to plan, but having the right protection in place can give you and your family peace of mind for whatever comes next.
Is this the right place for me?
The right protection gives you confidence that whatever life brings, you and your family have a plan in place.
We’ll take the time to understand what’s important to you and help you understand what cover is available. We’ll recommend the what cover you need and, just as importantly, what cover you don’t.
This page is for you if…
- You’ve recently bought a home.
- You have children or a growing family.
- You rely on one or two incomes.
- You want to protect your mortgage.
- You’re self-employed and worried about losing your income.
- You simply want peace of mind for the future.
How we help
What does the process look like?
2. Explore your options
We’ll explain the different types of protection available and answer your questions.
3. Find the right cover
We’ll recommend protection that’s suitable for your needs and budget.
4. Arrange your policy
We’ll handle the application and keep everything simple.
5. Enjoy peace of mind
Relax knowing you and your family have protection in place for the future.
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
Do I really need Life Insurance?
Life Insurance is not right for everyone, but it can provide financial support for people who depend on you and can help repay a mortgage if you die during the policy term. We’ll help you decide what protection is appropriate.
How much cover should I have?
The right amount depends on what you want the policy to provide for, such as repaying a mortgage, replacing income or supporting your family. We’ll consider existing cover, your budget and how long protection is needed.
What’s the difference between Life Insurance and Critical Illness Cover?
Life Insurance pays out if the insured person dies during the policy term. Critical Illness Cover can pay a lump sum after diagnosis of a specified serious condition that meets the policy definition. The two covers can be arranged together or separately.
Do I need Income Protection if I get sick pay?
It may still be useful if your employer’s sick pay is limited or would not cover your regular commitments for long. We’ll review how much you receive, how long it lasts and whether additional protection would fill a meaningful gap.
Can I get cover if I have a medical condition?
Often, yes. Insurers will assess the condition, treatment and medical history and may offer standard terms, charge a higher premium, exclude certain conditions or occasionally decline cover. We’ll approach suitable insurers for your circumstances.
How much does protection cost?
Premiums depend on factors such as age, health, smoking status, occupation, the type and amount of cover and the policy term. We’ll compare suitable options and explain how changing the cover affects the cost.
Can I change my cover later?
Policies can often be reviewed or replaced when your circumstances change, and some include options to increase cover after certain life events. Any change may require new underwriting, so speak to us before cancelling existing protection.
Let’s protect your future.
Whether you’re buying your first home, starting a family or simply reviewing your finances, we’ll help you put the right protection in place for your future. Book your free chat today.
