07734 451419 
info@limamoney.co.uk 

 Protection 

Protection 

Introduction to our services 
 
Lima Money is an impartial, protection brokerage, meaning that you can be confident that our protection policy is the best fit for your needs. 
 
You might be looking to protect your mortgage so that it is paid off in the event of critical illness or death, maybe you are looking to protect your income, take a policy to ensure your family are provisioned for in the event of your death, or you could be a business owner looking to provide staff life/sickness insurance or key person/relevant life cover to help your business to endure the loss of life of key staff. 
 
Whatever your needs Lima Money will take time to understand your needs in full, make a recommendation, explain the policy in full and how to claim, and guide you through the process end to end. We’ll even assist you to put the policy in trust if you feel that is the best option for your policy. 

Mortgage Protection/Decreasing Cover 

This kind of policy is designed to pay off your mortgage in the event of your death, and if you select the option, critical illness. Giving you the peace of mind that you will not need to find mortgage payments if you become seriously ill, and your family will not be left with a mortgage to pay in the event of your death or loss of income through ill health. 

Term Assurance 

This works in the same way as Mortgage Protection, however, the sum assured (payout amount) does not decrease over time. This policy is appropriate for protecting interest only mortgages or for individuals who want to ensure their beneficiaries receive a set payout in the event of their death. 

Critical Illness Cover 

Critical illness cover pays out a lump sum if the policy holder encounters a defined critical illness. The policy can be decreasing (to cover a capital repayment mortgage) or term (ensuring a set payout in the event of claim). 

Income Protection 

This policy insures a policy holder against a loss of income through ill health. The policy pays out a monthly sum to compensate for or replace the loss of wages. You can design your policy to activate following a period of sick pay that your employer provides. 

Group Life / Critical Illness 

As a business, your greatest asset is your staff. Group protection policies demonstrate your commitment to your staff by incorporating a life and/or critical illness package into their compensation package. Typically the policy pays out a multiple of the employees’ basic salary in the event of claim. In order to ensure that the policy meets your business needs we will work closely with your accountant offering a thorough, needs focussed, wraparound service. 

Relevant Life / Key Person Insurance 

Relevant Life/Key Life policies protect the key members of your business financially. The policy is paid via your business and pays out a predefined sum in the event of loss of life or critical illness. Typically these policies are appropriate for firms where there is more than one director, with a portion of the policy paid to beneficiaries and the business, ensuring that the policy holder’s family, and business, are provisioned for. 

Buildings & Contents Insurance 

Building’s insurance, whether on a residential or commercial property is normally a condition of any mortgage. We work with trusted providers in these fields meaning you can progress to offer with confidence that your assets are covered. These policies are reviewed annually on your behalf to ensure they are still relevant, providing the necessary amount of cover at the right price. 

WHAT OUR CLIENTS SAY 

Liam helped us secure a mortgage at an incredible rate just before the financial crash. Unfortunately, due to unforeseen challenges with the property, the sale fell through. Liam then supported us in securing a mortgage for a second property, again at a rate that was extremely reasonable. Liam then gave us detailed impartial expert advice on the insurance policies that were available to us, and eventually secured us coverage that suited both our needs and our financial situation. Liam surpassed all expectations and was readily available to answer any and all questions we had. 
 
Damien S. 14/11/2023 
Reviews and Ratings for Financial adviser Liam Schewitz, Cardiff
Please be aware that by clicking on to the above links you are leaving Lima Money website. Please note that Lima Money nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. 

WHAT OUR CLIENTS SAY 

I would 100% recommend Liam if you’re looking for a new mortgage or a deal on your home insurance. Not only is Liam professional and knowledgeable, he takes all of the stress (and most importantly, paperwork) away when finding the best deals around. I am confident that Liam has saved us money and will look forward to working with him on my mortgage and insurance arrangements for years to come. 
 
Sally O. 25/09/2023 
Reviews and Ratings for Financial adviser Liam Schewitz, Cardiff
Please be aware that by clicking on to the above links you are leaving Lima Money website. Please note that Lima Money nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. 

WHAT OUR CLIENTS SAY 

Liam did all the researched and looked for the best deal for my mortgage. His communication was excellent and was always on the other side of the phone if I had any questions or queries. I never thought that my mortgage payments would be as low as they are and I’ve saved a substantial amount every month by finding the right deal for me. 
 
Carys J. 04/10/2022 
Reviews and Ratings for Financial adviser Liam Schewitz, Cardiff
Please be aware that by clicking on to the above links you are leaving Lima Money website. Please note that Lima Money nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. 

WHAT OUR CLIENTS SAY 

..I was immediately impressed by his knowledge and professionalism when we first spoke. I have recently introduced a couple of my clients to Liam (both Company Directors/Business owners) and where they required funding to be secured against property. In both cases the clients circumstances were challenging, indeed in the second case another mortgage broker had already said they were unable to assist. Liam quickly assessed each case and indicated a willingness to assist and confident he could deliver the desired outcome. Liam delivered what he said he would/could do. In fact, it would be fair to say he exceeded expectations and went above and beyond.. 
 
Andy W. 26/04/2023 
Reviews and Ratings for Financial adviser Liam Schewitz, Cardiff
Please be aware that by clicking on to the above links you are leaving Lima Money website. Please note that Lima Money nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 

Our site uses cookies. For more information, see our cookie policy. Accept cookies and close
Reject cookies Manage settings