At 360 Financial Services, we are passionate about protecting you, your family and your estate in every scenario.
You will be offered a free protection & legacy planning review. During this, an adviser will review your current position & get to understand your specific budget, wants and needs.
Following this, you will be presented with a tailor made, recommended package to protect you from all financial risk.
At 360FS we use a range of well-known and trusted insurers to ensure you get the most suitable products at the most competitive prices.
Here are some of the policies we can offer:
Life cover pays a lump sum to your family (or whoever you decide) if you die. Policies are designed to help families cope with the financial pressure of losing the household’s main earner. This money is typically used to repay the mortgage amount and keep a roof above your family’s head.
Some policies also offer Family Income Benefit which can provide a monthly income to ensure your family’s lifestyle does not need to change in the event of losing your / an income.
Critical Illness Cover
Critical Illness Cover pays you a tax-free cash lump sum if you are diagnosed as having one of the illnesses specified in the insurer’s policy. Becoming seriously ill could have a huge impact on you and your families ability to live a normal life at this very stressful time.
This cover allows you to be able to pay for care costs, medical bills and your financial commitments and is often combined with life insurance for extra peace of mind.
Income Protection is an insurance policy that pays out if you’re unable to work because of injury or illness. This cover is so important for someone who is self-employed and has no employer benefits to fall back on if they fell ill or had an accident. Even if you are employed, then having your income replaced with statutory sick pay if you fall ill would also have a huge impact on your family.
Income Protection is there to pay a monthly income until a doctor/medical professional allows you to work again. It usually pays out until retirement, death or your return to work, although Short Term IP policies are also available at a lower cost.
Your home may be repossessed if you do not keep up repayments on your mortgage
Our typical fee is £495, but a fee of up to 1% is payable in some instances.
Some commercial mortgages and most buy to let mortgages are not regulated by The Financial Conduct Authority.
360 Financial Services Limited is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority.
FCA Number 460421
New Leaf Distribution: 1st Floor, Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE
What Our Clients Say
"Having used 360 Financial Services to obtain my first mortgage I received a first class service with a personal touch. I cannot recommend this company enough, provided excellent knowledge of the products offered so I really had a good understanding of all the options before making a decision. I will definitely be using their services again when re-mortgaging."
Sam – (First Time Buyer – Shared Ownership)
"360 Financial Services delivered what 3 other Brokers couldn’t.
Ours was a complex case and Jamie made it look easy. 360FS are miles ahead of the competition & I would recommend them without hesitation."
Ben & Rachael – (Buy to Let)
"We needed a Broker who could think outside of the box, move quickly and control the process. We were not disappointed and I would definitely use them again!"
Paul – (Commercial)
"Jamie found us an exclusive rate that was market leading and he let me know well in advance so we could take advantage of it. Always proactive and he has saved us a fortune over the years. Would highly recommend 360 Financial Services to anyone! "
Drew & Sarah (Re-mortgage – Capital Raising)
"I would highly recommend 360 Financial Services to anyone. I applied for my first mortgage so all of this was very new to me. The advice given to me was brilliant and I was receiving constant updates in terms of the best mortgage for me. It was a very friendly service and I would not hesitate to use them again in the future."
Adam – (First Time Buyer)
"Well informed, helpful, outstanding service. Great value for money."
Bill – (Buy to Let)
"Our advisor could not have been more helpful and speedy in his advice regarding our quite complex re-mortgage application. He simplified a minefield of issues and secured a great mortgage offer, very quickly.
The best part of the service was Charlie who was extremely proactive keeping us sane throughout a tricky process."
Helen & Stuart – (Re-mortgage)
"We knew we had to arrange life cover but didn’t really know where to start with it all. Matt explained all of the available options and created a package that suited our monthly budget. We know the exact cover we have and feel so much better that we are suitably protected against any surprises life throws at us."
Dan & Mia – Life Cover
"As first time buyers, we had no idea of the process but Jamie and Asad were amazing!
They explained everything clearly and were with us through every step of the journey. Thank you!!!"
Danny & Anne-Marie – (First Time Buyers)
"I received very helpful advice from 360 financial services. Staff were well informed about mortgage packages available and kept me updated on the progress of my application in a timely manner. Very professional and friendly service."
Christine & Phil – (Buy to Let)