Insurance & Protection

Income Protection Insurance

Safeguard your income if illness or injury prevents you from working.
Income Protection Insurance provides a regular, tax-free monthly payment if you cannot work due to accident or illness. It can be particularly important if you rely on your income to cover everyday expenses, mortgage repayments, or family commitments. Policies can run until retirement, return to work, or the end of the agreed term. Shorter-term policies, which pay out for 12–24 months, may also be available.
At RBM Solutions, we review your financial situation and lifestyle needs before recommending suitable policies from a panel of UK insurers.
Cover is subject to underwriting, terms and conditions. Limitations and exclusions apply. Please refer to the policy documents for full details.

Life Insurance

Financial protection for your loved ones in the event of your death.
Life Insurance provides a lump sum payment to your family if you pass away during the policy term. This payment can help cover living costs, mortgage repayments, or other financial commitments.
Types of life insurance include:

• Level Term Life Insurance – Pays a fixed lump sum if you die within the policy term.
• Decreasing Term Life Insurance – Often used with repayment mortgages, where the cover reduces in line with the loan balance.
• Whole of Life Insurance – Provides lifelong cover, paying out whenever death occurs.

RBM Solutions can explain the options available and help you choose cover that fits your budget and family’s needs.
Cover will cease if you stop paying premiums. If your policy has no investment element, it will not have a cash value at any time. Conditions and exclusions apply.

Private Health Insurance

Faster access to private healthcare when you need it.
Private Health Insurance (also known as Private Medical Insurance) provides access to private hospitals, consultants, and treatments for acute conditions. Policies can include cover for diagnostic tests, consultations, hospital treatment, surgical procedures, and therapies such as physiotherapy. Some also include mental health support and access to advanced cancer treatments.
At RBM Solutions, we work with leading insurers to help you choose cover that suits your needs, whether for individuals, families, or businesses.
Private Health Insurance does not cover all conditions. Cover, benefits, and hospital access vary depending on the insurer and policy.

Critical Illness Cover

A one-off payment following the diagnosis of a serious illness.
Critical Illness Cover pays a tax-free lump sum if you are diagnosed with a specified critical illness listed in your policy, such as cancer, heart attack, or stroke. The payment can be used to reduce financial pressures, whether covering medical costs, repaying debts, or supporting family needs during recovery.
RBM Solutions can help you understand which conditions are covered, any exclusions, and the level of protection suitable for your situation.
Policies will only pay out for the illnesses specified and defined within the provider’s terms. Cover will cease if premiums are not maintained. Conditions and exclusions apply.

Mortgage Protection Insurance

Designed to cover your mortgage repayments in the event of death, illness, or injury.
Mortgage Protection Insurance helps ensure your family can continue to meet mortgage commitments if you are unable to do so due to death, critical illness, or loss of income.
Common types include:

• Level Term Cover – Pays a fixed lump sum to cover your mortgage or debts.
• Decreasing Term Cover – Reduces in line with your mortgage balance.
• Policies with Critical Illness Cover – Offer additional protection if diagnosed with a covered illness.

RBM Solutions advisers explain the options available, helping you choose cover that aligns with your financial responsibilities.
Your home may be repossessed if you do not keep up repayments on your mortgage. Cover may not be sufficient to repay the full mortgage depending on the type of policy chosen. Conditions and exclusions apply.

Business Protection Insurance

Protecting your business from the financial impact of death or illness.
Business Protection Insurance provides financial support if key people in your company die or are diagnosed with a critical illness. This helps ensure the business can continue operating with minimal disruption.
Options include:

• Key Person Insurance – Protects the business against the financial impact of losing a key employee, director, or partner.
• Shareholder and Partnership Protection – Provides funds for remaining shareholders or partners to buy back shares.
• Loan Protection Insurance – Covers outstanding business loans if the person responsible for the debt dies or becomes critically ill.

At RBM Solutions, we work with a panel of insurers to tailor solutions that safeguard the future of your business.
Policies are subject to eligibility, terms, and conditions, including exclusions set by the provider.

Additional Cover Options

• Relevant Life Insurance – A tax-efficient way for companies to provide life cover for employees or directors. Premiums may qualify for corporation tax relief, depending on individual circumstances.
• Family Income Benefit – Instead of a lump sum, this life cover pays your family a regular income if you pass away during the policy term.
• Home & Contents Insurance – Covers your property and possessions against risks such as fire, theft, or accidental damage.
• High-Net-Worth Insurance Solutions – Tailored policies for individuals with high-value homes and assets, including family motor fleets, high-value home and contents insurance, and comprehensive worldwide travel cover.

Landlord Insurance

Protecting your rental property and income against common risks.
Landlord Insurance is designed specifically for rental properties, offering protection beyond a standard home insurance policy. As a landlord, you face risks such as tenant damage, unpaid rent, or legal disputes, which may not be covered under regular buildings and contents insurance.
Typical cover options include:

• Buildings Insurance – Protects the structure of the property against risks like fire, flood, and subsidence.
• Contents Insurance – Covers furnishings and appliances provided by the landlord for tenant use.
• Loss of Rent Cover – Provides protection if the property becomes uninhabitable due to an insured event.
• Liability Insurance – Financial protection if a tenant or visitor is injured at the property and you are found liable.
• Legal Expenses Cover – Helps with the cost of pursuing or defending legal claims, such as tenant disputes or eviction proceedings.

At RBM Solutions, we work with insurers who specialise in landlord policies, ensuring cover reflects the unique risks of letting property.
Landlord Insurance is not mandatory by law, but many mortgage lenders require buildings cover as a condition of a buy-to-let mortgage. Policies are subject to terms, conditions, and exclusions. Cover levels vary between providers.