Insurance Advice Baby Feet and Family Hands

Insurance Advice

If you die or suffer a serious illness, or have an accident, how would you or your family pay the household bills?

Would you prefer fast access to specialist medical support to get back on track?

If your home suffers damage to property or its contents, do you have the money to pay for repairing or replacing everything?

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Our Advice

Many families admit their household wouldn’t survive financially if they lost their income due to long-term illness. Many say they could only pay their household bills for a maximum of three months, and some say they have no savings at all. On top of this many are don’t have the protection of a Will, power of attorney, guardianship or trust arrangements in place for their families.

Life is full of uncertainties – and while we insure cars, houses and even holiday arrangements, when it comes to ourselves and our family, often insurance is overlooked and undervalued. The simple truth is we can get too ill to carry on working or tragically die too soon, either through serious illness or accident.

Critical illness insurance

This pays out when you suffer a serious illness or accident, but doesn’t usually pay out if you pass away, so it’s not always suitable if you want to make sure your family are provided for after you’ve gone. This is where life insurance comes in.

Life insurance

This insurance usually only pays out if you pass away. It’s designed to help your family maintain their lifestyle after you’ve gone, for example, to pay off a mortgage or other loans and provide for children’s university fees.

Income protection

The impact of losing the family breadwinner can be devastating – missed mortgage repayments, savings depleted, your home being sold, your family’s standard of living eroded, with stress and worry all too evident. Protecting income really should be the second consideration, after emergency funds, of any sound financial plan. If you don’t have ongoing income, how can you afford the day-to-day necessities of life, never mind any form of savings or borrowings? Is it a fair bet that you will struggle to live on state benefits (£95 per week).

Our serious illness insurance and income protection insurance advice lets you know whether you can pay your bills if you are off work for a long time or if you can't return due to a serious illness or an accident, and what you can do about it.

Home insurance

Understanding the benefits of this type of insurance policy is something we can help with. Home insurance covers your home from damage by flood, fire, subsidence, storm or vandalism. Your insurer may also repair damage caused by leaky pipes or faulty electronics, as well as criminal or accidental damage. You might be worried about the financial effects of losing your home or the cost of replacing your home's contents - home insurance can put your mind at rest.

Chestnut Financial Services has access to insurers that don't feature on comparison websites - we can search across the whole market without tying up your time. Chestnut Financial Services examines underneath headline prices and details to find the best deals that are right for you. Chestnut Financial Services can help by taking away the hassle of administration, saving you time, and helping with any claim you need to make.


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Getting The Right Price

Our insurance advice is independent, so we can search across all insurance companies to see if there are cheaper policies for you.

Using Comparison Sites

Comparison sites can seriously trip you up by under-insuring, so you run the risk of much lower payouts, just when you need them the most.

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The Latest Figures From The NHS

Without health insurance, how long might you need to wait on the ever-lengthening NHS lists for treatment?

On 15th April 2021, the BBC published the latest NHS waiting lists.

Around 4.7 million people were waiting for routine operations and procedures in England in February - the most since 2007.

Other statistics:

  • Nearly 388,000 people were waiting more than a year for non-urgent surgery compared with just 1,600 before the pandemic began.
  • 387,885 people waiting more than 52 weeks to start hospital treatment in February
  • 304,000 people waiting more than 52 weeks to start hospital treatment the previous month
  • 1,613 people waiting more than 52 weeks to start hospital treatment in February last year
  • 400,000 patients with Covid-19 needing hospital treatment over the last year

You can click here to see that Ian Francis is an approved person by the Financial Conduct Authority.

Click for the FCA register.

You can click here to see that Chestnut Financial Services is authorised and regulated by the Financial Conduct Authority.

Click for the FCA register.

Insurance Advice Tailored For You

Our Service

Our insurance advice surveys the whole market, trying to find the best deal for you.

Our insurance advice covers what the right level of cover is, for your needs - and your family's, at a price you can afford.

Ian Francis is a fully qualifed member of the Society of Mortgage Professionals, having built his expertise as an independent mortgage broker.

Click here to see his SMP directory listing.

Ian is also a fully qualified member of the Personal Finance Society, since 1994. He has built his expertise with numerous qualifications and professional development each year.

Click here to see his PFS directory listing.

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The Times VouchedFor’s 2021 Top Rated Financial Adviser Guide

I am humbled and honoured to be recognised by our clients. I am so grateful for the work I do every day and thank you to all who have supported me throughout this incredible journey so far. Our 5-star rating is something we are committed to retaining through high-quality advice and service to all our clients.

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Call Us:

01522 788887

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Main office address:

10 Newark Road,


Lincoln, LN5 9HA

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Chestnut Financial Services Limited. Registered in England no 9918363. Registered office: Commerce House, Carlton Boulevard, Lincoln, LN2 4WJ

Authorised and regulated by the Financial Conduct Authority No. 840940