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> Life Insurance
Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum.
> Home Insurance
Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.
> Health Insurance
understand the health risks that may occurr during your lif, protect against illness, Private medical insurance - sometimes called PMI, private healthcare or private health cover - gives you the reassurance of knowing that, should the need arise, you and your family will receive eligible medical treatment privately, without waiting for the NHS to treat you.
> Critical Illness
Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation. The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed. The survival period used varies from company to company, however, 28 days and 30 days are the most common survival periods used. In the Australian market, survival periods are set between 8 - 14 days.
> Income Protection
Income Protection Insurance (IPI) is an insurance policy, available principally in the United Kingdom and Ireland, paying benefits to policyholders who are incapacitated and hence unable to work due to illness or accident. IPI policies were formerly called Permanent Health Insurance (PHI).
> Inheritance Tax Planning
An inheritance tax or estate tax is a levy paid by a person who inherits money or property or a tax on the estate (total value of the money and property) of a person who has died. An estate tax is assessed on the assets of the deceased, while an inheritance tax is assessed on the legacies received by the beneficiaries of the estate. Inheritance tax in the United Kingdom is a tax on the assets of the deceased, and is therefore, strictly speaking, an estate tax.
> Buy To Let Insurance
Buy To Let Insurance or Landlords insurance is an insurance policy that covers a property owner from financial losses connected with rental properties. The policy covers the building, with the option of insuring any contents that belong to the landlord that are inside. Landlord Insurance is often referred to as buy-to-let insurance, however buy-to-let insurance is a type of landlord insurance. It is important to distinguish between buy-to-let insurance which generally covers one property that has been purchased with a buy-to-let mortgage, and multi property insurance, which covers two or more properties. Each of these types of landlord insurance cover different things. The policy will normally cover standard perils such as fire, lightning, explosion, earthquake, storm, flood, escape of water/oil, subsidence, theft and malicious damage. Each insurance policy is different and may or may not include all these items. Optional coverage might include accidental damage, terrorism, legal protection, alternative accommodation costs, contents insurance, rent guarantee insurance, and liability insurance.
> Keyman Insurance
An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. The employer does this to offset the costs (such as hiring temporary help or recruiting a successor) and losses (such as a decreased ability to transact business until successors are trained) which the employer is likely to suffer in the event of the loss of a key person.
> Shareholder Insurance
Amid the time-consuming, complex business of running a company, scant attention is paid to what might happen if a shareholder dies, or becomes seriously ill. In the interests of financial security, business stability, and continuity - particularly for private limited companies where there may only be a small number of principal shareholders - it is essential to provide a safety net following the loss of a shareholder: Shares may go to the deceased’s family, which has no interest in the business and would prefer a cash sum The company or other shareholders will want to retain control by buying lost shares - but may not have the resources to do so The shares may be taken over by someone who does not share the company’s objectives - and may even be a competitor
> Commercial Insurance
Commercial insurance is insurance for a business. In fact, it is one of the most important investments a business owner can make. Commercial insurance can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances. Commercial insurance can provide valuable protection against such things as theft, property damage, and liability. It can also provide coverage for business interruption and employee injuries. A business owner who chooses to operate a business without insurance puts his enterprise at risk of losing money and property in the wake of an unfortunate event. In some situations, a business owner may even place personal money and property at risk by failing to secure adequate commercial insurance.
> Public Liability
Public liability is part of the law of tort which focuses on civil wrongs. An applicant (the injured party) usually sues the respondent (the owner or occupier) under common law based on negligence and/or damages. Claims are usually successful when it can be shown that the owner/occupier was responsible for an injury, therefore they breached their duty of care. The duty of care is very complex, but in basic terms it is the standard by which one would expect to be treated whilst one is in the care of another. Once a breach of duty of care has been established, an action brought in a common law court would most likely be successful. Based on the injuries and the losses of the applicant the court would award a financial compensation package.
> Business Loan Protection
Business Loan Protection helps ensure that a business can repay the money owed if a key person dies or suffers a critical illness. This is particularly important for the individual who takes on the role of being a guarantor. Otherwise their estate and family’s finances could be drawn upon to repay the loan. Lenders often make business loan protection a condition of the loan arrangement, prior to releasing funds.
> First Time Buyer
Purchasing a mortgage is a loan secured by property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan. The word mortgage is a Law French term meaning "death contract," meaning that the pledge ends (dies) when either the obligation is fulfilled or the property is taken through foreclosure. A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably.
A remortgage (also known as refinancing) is the process of paying off one mortgage with the proceeds from a new mortgage using the same property as security. The term is mainly used commercially in the United Kingdom and the United States , though what it describes is not unique to any one country. Often the purpose of switching is to secure a more favorable interest rate from a different lender. The process of remortgaging does not usually involve moving home or taking out a second mortgage on the property; it is in effect the transfer of a mortgage from one lender to another. Homeowners may choose to remortgage for various reasons, usually to reduce the overall monthly mortgage payment amounts. However other reasons may include to reduce the size of repayments, to pay off a mortgage earlier, to raise capital, or to consolidate other more expensive short term debts.
Moving home should be exciting and the process doesn’t need to be daunting. We can get you mortgage advice from the time you start thinking about moving home until the day you move in. We can reduce the time and hassle in applying for a mortgage. discuss your options today and let us research the market to find you your ideal mortgage.
> Buy To Let
Buy to let is a British phrase referring to the purchase of a property specifically to let out. A buy to let mortgage is a mortgage specifically designed for this purpose. For many years landlords have invested in residential property to be let for profit. The recent credit crunch, however, has caused most UK lenders to cease offering these kinds of mortgage.
> Adverse Credit
Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score.
> About Us
About Us page gives a brief history of Active Brokers, the aim of Active Brokers, and the level of customer service that a customer should expect.
> Our Providers
Our Providers page is a list of the insurance companies that Active Brokers use to obtain quotes and collect information about the products and services each insurance providers offer.
> Documents & Guides
> Customer Reviews
> Job Opportunities
> Terms & Conditions
Contact Us page contains the full contact information for Active Brokers Ltd including Full postal address, contact telephone number, email address and any other relevant information required for communicating with Active Brokers