SGA Consultancy Group
Clear information across protection, insurance, mortgages, estate planning and commercial energy.
Our product areas
Product availability, eligibility, exclusions and terms vary. Any recommendation should reflect your individual circumstances.
Life insurance is designed to provide financial protection for loved ones in the event of death. Options can include term life insurance, whole-of-life cover and critical illness cover. Premiums and available cover depend on factors including age, health, lifestyle and the level of cover required.
Critical illness insurance may pay a lump sum following diagnosis of a condition covered by the policy. Definitions, ages, exclusions and the conditions included vary by provider.
Income protection can provide a proportion of income when an insured person cannot work due to eligible illness or injury. Cover levels, waiting periods and claim terms vary.
Support may be available for first-time buyers, remortgages, home moves and buy-to-let borrowing, subject to status, lender criteria and affordability.
Decreasing-term protection is commonly designed to reduce broadly in line with a repayment mortgage. The suitability of any arrangement depends on the mortgage and personal circumstances.
Some products provide benefits for specified accidental injuries or eligible hospital stays. Benefits, exclusions and definitions differ between providers.
Over-50s plans can provide whole-of-life cover with simplified eligibility. Waiting periods, contribution limits and other policy terms apply.
Commercial energy procurement involves analysing business usage and sourcing suitable supply contracts. Support can include contract negotiation, energy audits and ongoing usage management.
Home insurance can protect buildings and contents against specified events such as theft, fire, flooding or storm damage. Policies may also include liability cover.
Estate-planning services can include wills, probate support, Lasting Powers of Attorney, property trusts and inheritance-tax planning. Legal and tax advice should be obtained where appropriate.
Private medical insurance may support faster access to eligible private treatment and greater choice of providers. Individual, family and group policies are available, subject to underwriting and policy terms.
Information on this page is general and does not constitute personal financial, legal, tax or medical advice. Products are subject to eligibility, underwriting, exclusions and provider terms. Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact the SGA team for more information about available services and the appropriate next step.