Founded over 25 years ago, Edgemont has long been respected as a fiercely independent financial services provider, who pride themselves on solid advice and long term commitment to their clientele.

"Our values stem from a core belief that prevention is always better than cure. Using our expertise and experience, Edgemont are trusted industry leaders, helping individuals and businesses alike to navigate the world of financial planning and risk aversion."

As a family based business, Edgemont provide a personal touch to the often sterile world of personal finance design. Many of their clients have been part of the Edgemont family for over 20 years, standing testament to their commitment to long term value.

"If we command our wealth,
we shall be rich and free."

Personal Insurance

For Personal Insurance


Life & Health Insurance for You and for Your Family


Protecting the health & wellbeing of you and your family.
PERSONAL INSURANCE

INCOME PROTECTION


Income Protection ensures that you and your loved ones are able to continue to earn an income if you are unable to work due to an illness or injury.

A tailored policy is designed to continue to provide you with income while you are unable to work, and is flexible in that it can be for a short term while you recover, or up to the age of retirement should your illness or injury be permanent.

Essentially, Income Protection ensures that you are able to continue to pay the mortgage, monthly bills, and any other regular expenses, thus allowing you and your family to maintain the same or a similar standard of living.

PERSONAL INSURANCE

WHOLE OF LIFE


Whole of life insurance is life insurance which is guaranteed to remain in force for the insured's entire lifetime, provided the required premiums are paid.

Where a Term Life Policy only pays out up to a certain age threshold, or for a specific portion of your life, a Whole of Life policy will pay out a guaranteed cash lump sum when you die, at whatever age that may be.

Even if you are now retired and have no mortgage to pay off, you may still want to provide financial security to those left behind after your death. Whole of Life insurance is very often used to cover any potential inheritance tax exposure on behalf of the future beneficiaries of your estate. Ensuring that what you have left behind can be passed on in full without any worry of inheritance taxes.

PERSONAL INSURANCE

TERM LIFE INSURANCE


Life Insurance helps to provide financial protection to your loved ones if you were to pass away unexpectedly or become chronically ill. Your family would be paid a cash lump sum which they could use to cover expenses like funeral costs, mortgage or vehicle repayments, schooling and university fees, and help to provide financial stability and lifestyle security for your loved ones even after you have gone.

If you have a partner, children or any other dependents that rely on your income, then life insurance is the right choice for you. Many people choose to take out life cover at key life moments, like having a baby, getting married, buying your first house or nearing retirement.

A death in the family is always really tough, and what often makes these situations even harder, is when the family left behind cannot cope financially after the loss. Make the right choice, speak to one of our agents and insure your life today.

PERSONAL INSURANCE

PRIVATE HEALTH INSURANCE


Private Health Insurance (PMI) provides policy holders with access to the highest-quality of private medical facilities, treatments, and specialist doctors when you need them most. This ensures that you can receive the care you need immediately, without the long waiting periods, and also helps fund the cost of early diagnosis tests and the treatment of acute conditions.

Edgemont offers PMI cover from most of the nations health insurers. We believe firmly in prevention being better than cure, so we are very focussed on Health & Wellness policies. This also puts an equal focus on encouraging better all round health, by helping you make healthier choices day to day.

PERSONAL INSURANCE

FAMILY INCOME BENEFIT


In the event of your death or sudden critical illness, a Family Income Benefit policy pays out a monthly sum of money to beneficialries for a selected period of time. This serves to remove any immediate short term financial burden caused, and ensures regular income continues.

This policy will allow bills to be paid and prevent unneccesary financial strain during an already difficult time for family and loved ones.

PERSONAL INSURANCE

SERIOUS & CRITICAL ILLNESS


Statistics show that 1 in 3 people in the UK will been diagnosed with a critical illness between the ages of 40 and 70. The average age of a claimant is 49 for men and only 46 for women.

This means that if you don’t have cover in place then you could be at risk financially should you ever be diagnosed with a serious illness. How would you and your family cope financially if you were suddenly diagnosed with a critical illness?

Critical Illness cover pays out a cash lump sum if you are diagnosed with a specified critical illness during the term of the policy. Such a pay-out would relieve you from the worry of how you would afford your monthly outgoings and support your family during a stressful time, allowing you to concentrate on what matters most – your health.

Most critical illness policies now come with children’s cover at no extra cost to you, which means that children up to the age of 21 are covered for 50% of the value of the policy up to a maximum value of £25 000, with some insurers also offer additional children’s cover of cronic conditions.

Income
Protection

Whole
of Life

Term Life
Insurance

Private
Health
Insurance

Family
Income
Benefit

Serious &
Critical
Illness
Protection

Business Insurance

Shareholder
Protection

Group
Life Cover

Key Person
Protection

Group
Health
Insurance

Relevant
Life Policy

Liability
Protection

For Business Insurance


Life & Health Insurance for You and Your Corporate Family


Protecting the health & wellbeing of your companies directors, partners and employees.
BUSINESS INSURANCE

SHAREHOLDER PROTECTION


Are you involved in a business with multiple shareholders? If one of the shareholders were to pass away, could the business afford to buy back those shares to pay out any beneficiaries of the deceased’s estate? If a shareholders was to pass away, would their beneficiaries be inheriting their shares instead? What would this mean for your business?

Shareholder Protection provides both financial and contractual protection to the shareholders of a business in the event of a death or severe illness.

The Shareholder Protection insurance policy ensures that the life of each shareholder is insured to the value of their shares in the business.

The agreement ensures that in the event of a shareholder passing away or becoming chronically ill, their shares are bought out in full by the remaining shareholders, all without causing any additional financial distress to both the business and loved ones.

BUSINESS INSURANCE

GROUP LIFE COVER


Group Life cover is purchased by companies to provide various benefits to their staff, such as Life Cover, Critical & Serious illness cover, and Income Protection. The larger the group being insured, the more cost effective the policy, with large businesses often able to secure free policy underwriting from the insurer as well.

HAVING AN EMPLOYEE BENEFITS PACKAGE IS AN EXCELLENT WAY TO STAND OUT IN A CROWD.

  • Recruitment and retention – A useful tool when it comes to recruiting the best talent and keeping the best employees
  • Employees feel valued – Benefit packages can make employees respond better at work. This shows the employer has their best interest at heart
  • Cost – We provide a wide range of cover options, so you can rest assured knowing we provide practical options for different budgets

THE DEATH OF A LOVED ONE CAN HAVE DEVASTATING EFFECTS, BOTH EMOTIONALLY AND FINANCIALLY.

  • Financial support – Gives employees peace of mind that their family will have the financial support needed should the worst happen
  • Emotional support – Our Support Services ensure the employee receives both practical and emotional support during this incredibly difficult time
BUSINESS INSURANCE

KEY PERSON PROTECTION


Key Person Insurance pays a cash lump sum into the business to replace the loss of profits that could result if a director or important key employee were to become critically ill or pass away.

The pay-out could be used as a monetary buffer while another staff member learns the crucial job role, or to recruit someone into the business who has a similar level of expertise and can help return the business's stability and profitability.

BUSINESS INSURANCE

GROUP HEALTH INSURANCE


Group Health cover is purchased by companies to provide numerous immediate health and lifestyle benefits to their staff. Look after your staff and they will look after your business. The larger the group being insured, the more cost effective the policy, with large businesses often able to secure free policy underwriting from the insurer as well.

Some of the key advantages for staff & employers are:

• No Waiting Lists
• Fast Diagnostic Tests
• Choice of Hospital
• Drugs & Treatment
• Privacy
• Hospital Quality & Cleanliness
• Virtual GP Consultations

BUSINESS INSURANCE

RELEVANT LIFE POLICY


Relevant Life policies are a tax efficient way for the SME to have ‘Death-in-Service” policies in place for their staff. The Company owns the policies taken out on each staff member, and it provides a sum assured amount that becomes payable to a trust and the benefit of beneficiaries. This is only for Life cover, and does not cover Critical illness or Income Protection.

A Relevant Life policy can be more cost effective for businesses than other Group Cover packages, and is often used as an effective staff retention tool.

BUSINESS INSURANCE

LIABILITY PROTECTION


Liability or Business Loan Protection is a policy which ensures that if a company owner were to die or become critically ill, there would be enough money paid to the business to enable a business loan or mortgage to be paid off. This insurance provides greater peace of mind, particularly where a loan has been made on a personal guarantee and which could negatively impact your family’s inheritance if you passed away before the loan was repaid.

This policy can also be used by the company to repay any Shareholders loans that may be in place, without putting any undue strain on the business and the remaining shareholders.

Our management strategy relies on six key business principles, all important in nurturing a mutually-beneficial long-term relationship. We consider the following key values to be the foundations of our business:

PARTNERSHIP WITH OUR CLIENTS

1

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Communication is critical. Our clients need to be involved in the process and management of their own portfolio

PERSONAL INTERACTION

2

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We need to understand your core requirements, values and expectations, as well as your concerns and fears.

A successful strategy requires that we truly understand these aspects, which requires both time and meaningful personal interaction.

SIMPLICITY & CLARITY

3

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Protection/Risk Management involves co-ordinating and structuring varied and diverse components within a long term strategy.

We emphasise simplicity, but have the experience to ensure that all the complexities are fully considered and taken care of.

COST MANAGEMENT

4

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Our sizeable asset base and our focus on simplicity provide us with the ability to negotiate the best possible fee rates on behalf of our clients.

RELATIONSHIP DEVELOPMENT

5

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We value and insist upon long term relationships with both our clients and our service providers.

It is all about relationships, and the service that we provide to ensure that you as our clients have total peace of mind.

ABSOLUTE INDEPENDENCE

6

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Enables us to ensure your portfolio is placed with appropriate companies without compromising best advice.

Both our clients and our service providers recognise this independence as being an essential component of our holistic value proposition.

Testimonials

"We pride ourselves on building
relationships,
we do this by creating
long term value for our clients"


Andrew Pinto

DIRECTOR | SENIOR FINANCIAL ADVISOR

Email: andrew@edgemontfs.co.uk

Telephone: 07789 237 349

I am an Independent Financial Planner who advises on Investments, Protection Insurance including Mortgage, Family and Income Protection, Business Protection, Health Insurance, Pension and Retirement Planning, and I am also a qualified Wills, Trusts and Estate Planning specialist.

I provide a professional personal service, giving best advice at all times.



Bradley Pinto

INDEPENDENT FINANCIAL ADVISOR

Email: brad@insuroo.co.uk

Telephone: 07464 287 102

Insuroo Limited is an authorised representative of Edgemont Financial Services Limited. Brad has been a Financial Adviser since 2004, establishing himself in the industry as an independent consulting adviser in early 2007, offering mortgage, insurance and protection advice. As the founder of Insuroo, Brad provides highly specialised external consultant to Edgemont, Brad brings a wealth of knowledge, his passion is helping people.



Chantal Crabtree

PARAPLANNER

Email: chantal@edgemontfs.co.uk

Client relationships have, and always will be, my first passion. Six years ago I joined an FSP in the capacity of Client Relationship Manager, It was here I developed a new passion for life insurance. Realizing how proper financial planning can ease a family’s stress in the bad times drove me to focus in this direction. As an IFA, I thrive on assisting clients and strive to offer a holistic approach to their financial portfolio.


CONTACT US

ADDRESS

Unit 1, Rowan Court, 56 High Street,

Wimbledon Village, London, SW19 5EE

TELEPHONE

07789 237 349

E-MAIL

info@edgemontfs.co.uk