About Final Protection and Insurance

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.

Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.

There are many different ways to protect your family and your standard of living when you need it most. Click on the different protection options on the main menu to learn more about these.

Life Protection Options

There are several ways in which to protect yourself and your family in the event of an untimely death.

Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time.

Level Term Assurance pays a lump sum in the event of death during the term of the policy. There is no investment element within a term assurance contract so at the end of the term there is no maturity value and life cover ends. The benefit is paid tax free and premiums are usually monthly, and fixed throughout the term.
Because the term and benefit are known from the outset, and there is no investment content, term assurance can be a cost-effective method of protection.

Decreasing Term Assurance works similar to Level Term Assurance, but the benefit is set at outset and gradually decreases over the term of the policy. These policies can be used as cover for a repayment mortgage, or other loans where the amount of capital outstanding also decreases over time.
Because the benefit reduces over time, the premiums are usually lower than for Level Term Assurance.

Family Income Benefit works the same as term assurance but instead of paying a lump sum upon death, it will usually pay a regular monthly/annual tax free income in the event of death to your dependants up until the end of the term of the policy.

Critical Illness Insurance is usually available as an addition to all term assurance plans but can be bought on a stand alone basis. Critical illness provides a lump sum benefit / income in the event of diagnosis of certain critical illnesses, such as Heart Attack, Stroke, Transplant, Blindness, Total & Permanent Disability and so on. The illnesses covered will be specified in the policy along with any exclusions and limitations – these differ between insurers.

Income Protection options

Income Protection
This policy is designed to provide an income in the event the insured individual is unable to work due to ill health. The level of premium will depend upon the amount of benefit and term selected and most policies cease to pay the benefit once the insured is able to return to work. Income Protection policies are usually written to retirement age.

Accident, Sickness & Unemployment (ASU) 
ASU policies were traditionally sold to accompany mortgages, allowing for a regular income to be paid to the insured should they be unable to work due to ill health, an accident (or lose their job). The product can be split down, and unemployment cover is usually the optional extra available for an additional premium. Benefits are only usually paid for a specified time for example 12 months. It is important to compare ASU and Income Protection closely as one may be more suitable than another. It may also be possible to use the 2 products to work in tandem with each other.

Please contact us if you wish to discuss your income protection requirements.

Business Protection

Keyperson / Shareholder / Partnership Protection
Businesses may want to protect the key employees within their firm – perhaps the key salesperson, or the IT manager without whom the business will not function properly. Keyperson / shareholder / partnership protection can provide a fixed sum should the individual be unable to work, or even die.
The benefit will be designed to cover the firm’s expenses in meeting any emergency costs, recruiting a replacement employee and protecting the future of the business.

If a shareholder were to pass away, the firms remaining shareholders or directors may want to purchase the deceased’s shares from their estate promptly to maintain control of their business. The same scenario also applies to partners in a firm.

Please contact us if you wish to discuss your Business Protection provisions.

Testimonials

"Bluestone have been really helpful throughout the process and beyond. They have been very attentive with any issues I have had with the property and I couldn't recommend them more. "Aneela K

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"We were incredibly impressed and reassured by Gemma’s professional and proactive approach during the sale of our home. We would use Bluestone again. "B Patel
Vendor

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"Exceptional. Understood our objectives, marketed as promised, followed up diligently and efficiently, nursed through to exchange and completion and ultimately sold. A great team. "Michelle B
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"We were First time buyers and have recently bought a house through Bluestone. It was a very stressful time as the sale fell through a couple of times due to it being part of a chain. It was through the dedication and expertise of Gemma and Ryan who guided us though everything and negotiated hard to get the sale back on track. We eventually completed on our property thanks to the determination of the Bluestone team. They all did a lot on our behalf and genuinely wanted to see us succeed. Thank you! "Catherine D
Buyer

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"Motivated, friendly, professional is how I would describe the staff at Bluestone. I have had the pleasure of doing business with them for over 3 years. They always handle my affairs with care and attention to detail and have always delivered on their promised without fuss. I would happily give them 5 stars for their genuine and professional customer service. Great work all round\" "Andrew A

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"A big thank you to Gemma Williams-Henn for the hands on help and support she gave during one of the most stressful times! She was efficient and professional all the way through. Bluestone were highly recommended to me by a friend and they did not disappoint. I found them friendly and easy to talk to; they offered lots of useful advice and paid attention to all the details. Fantastic job! "Thomas A

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"When I first decided to move to Newport, I approached Bluestone after seeing a property on Rightmove. I also had viewings with other agents but Bluestone were in a class of their own. They were friendly, very knowledgeable about the property and the area and genuinely seemed to really care about my move. They were helpful throughout my move, from helping me with arranging a removal company to sorting out my utilities. They even gave me advice and a guide on areas, finding schools for kids & places to visit. A top class estate agent with remarkable customer service. "David W
Buyer

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"Excellent service. Our agent Ryan Humphries came out at 6.30pm on a Friday evening to take us to our viewing as our car was off the road! Whenever I’ve called at the office the staff have always been friendly and approachable. Over the course of our dealings with Bluestone we found them to be very reliable, flexible and informative. "Arthur N
Buyer

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"A can do attitude and perfect customer service from start to finish. After getting news that we had to move out within 21 days or risk losing the sale the team at Bluestone pulled out all the stops and made our move possible on such short notice. They went over and above expectations, I cannot recommend highly enough, especially Gemma who handled our sale. "Melinda D
Vendor

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"As a property investor I have bought and sold many properties over the last 15 years, Ryan secured a sale on my property in 7 days and arranged 3 other sales to complete the chain. A true professional!  If I could give them more than 5 stars I would! "Bilal K
Vendor

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"A stress free experience from start to finish. A realistic valuation followed by a quick sale. I can’t ask for more! "Jason D
Vendor

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"The sales team worked really hard at selling our house and for the price we wanted. They were proactive in helping us buy our new home at the price we wanted to pay. I found everyone really helpful especially in getting us a new buyer when one dropped out, they came up with a plan and kept me informed. Ryan and Gemma were excellent and I'd highly recommend them. "Karen S
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"Great staff! Really helpful. "Johnathan G

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"Professional and efficient. Approachable and helpful staff, great doing business with you Bluestone "Scilla N

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"Very helpful and friendly. I felt confident that staff wanted to help and were experienced. All the staff were approachable and keen to assist. "Shenice Gr

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"Fantastic experience! Staff are always happy and helpful, recommend them 100% if you’re looking for a trustworthy and reliable estate agent! "Lauren D

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"Currently renting through this company. Staff are very friendly and efficient when dealing with any issues/enquiries 5 stars! "Hannah R
Tenant

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"Fantastic!.. very helpful professional service in finding a place for my daughter. Would highly recommend to my friends, many thanks! "Daren W

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"Bluestone over the past year have promoted a professional service, dealt efficiently to any queries and issues that have arose. The staff are always polite, informative and helpful. "Jessica P

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"Most helpful, professional, genuine agent I’ve had the pleasure of having for the past few years. And continue to use! Thank you for all that you have done for me. I highly recommend!! 5****** "Sapphire Y

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"I have been using Bluestone’s services for the past 4 years and I have found all the staff very friendly and extremely helpful. They just cannot do enough for you! Great business and genuine people! Keep up the good work! "Jessica L

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"Would like to thank the staff at Bluestone for help and support on finding the right place for myself and family, and also helping me out with sorting my house insurance. Many thanks - highly recommended! "Caroline W
Buyer

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"Thanks for everything, you are very professional, and I can't believe that renting the property has gone so smoothly and I have such lovely tenants! Best regards"Stella P
Landlord

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"From start of our property search to moving in, Bluestone were fantastic, professional and very approachable. Any issues we've had have been dealt with and rectified quickly. From making our initial enquiry, the letting negotiator drove to our house to pick us up for our viewing knowing my mother couldn’t get around easily, our ongoing experience from the start, to moving in has been exceptional. The staff at bluestone were most helpful by meeting all of our needs and went above and beyond their service being most helpful and courteous. Although we are not planning on moving any time soon we would use Bluestone again. Highly recommend. "Mrs Ashworth
Buyer

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"Thank you for the fantastic service you gave us right from the beginning to completion in selling our home on Oaklands Road. We’ve sold a number of properties in the past and I can say that you’ve managed to combine a great service with a personal touch. The pictures, video tour and the attention to detail you paid to us was outstanding. I was especially impressed that you sold our home within a week of our instruction and also very impressed that you kept us up to date through to completion. Keep up the good work! I shall definitely be recommending you to my friends and family. "Carol C
Landlord

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"I know normally we only communicate when an issue needs addressing but I thought it would be a good time to send an e mail. I would personally like to thank you all for sourcing the tenants at 2 Joslin Road. Our neighbour had got in touch to say how nice the tenants were and how lovely the property is looking. Once again, it gives me great \"peace of mind\" in the knowledge that the management on both properties are handled so well. Thank you all ever so much. "Jeff L
Landlord

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"I have personally found Bluestone to provide a first class service to myself as a landlord. Having some negative experiences in the sector before I can say confidently that the service Bluestone offer significantly outscores other providers I have experience of. They offer a swift and effective services in all areas of property management . They sourced tenants swiftly, negotiated the rent at the right price and conducted all the usual checks efficiently and quickly. I would not hesitate to recommend or use their continued services and feel safe as a landlord knowing my property is going to be managed professionally. "Mark M
Landlord

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"Having worked with numerous local lettings agents and been continually disappointed, working with Bluestone has been a breath of fresh air.  Bluestone manage to combine a professional service with a personal touch, using initiative and a prompt and pro-active approach in all aspects of the service they provide.  Bluestone allow me the peace of mind that my investments are being protected and my properties run both efficiently and professionally. "Mark H
Landlord

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"Just a note to thank you for all your help in renting our property in Croesyceiliog - successfully achieved within days of the flat being posted online by Bluestone! We were impressed from the start by the professional and courteous way you managed our brief and by your determination to customise the advertising to match our requirements. Feedback from our new tenant suggests that the photographs of the flat you published to back up the advert. were especially effective. From our point of view, it was reassuring that you took such care to keep us up to speed with the latest on prospective tenants' availability, contact details and so on. A nice personal touch! Thanks again and be assured that, in the event of any of our properties becoming vacant, we shall be back! "Alan and Jane C
Landlord