Life insurance, income protection, help and advice finding a product to suit your needs

LR Finance, Wigan, Lancashire, provides you with protection advice you can trust

insurance, LR Finance, Janet Rodan

‘I have nothing but praise for Janet Rodan’

She is absolutely fantastic and I entrust my ‘world’ of finances to her competence. I will recommend anyone to come to her. She is a true asset to your company!

Carole & Shaun Atherton

‘The service was first class’

The service, from start to finish, was first class. I wouldn’t hesitate to recommend it.

Alison Lamb

When it comes to making arrangements – how do you find a life insurance product to suit your personal situation?

LR Finance make recommendations based on their research into the wide range of insurance products available. There are products that we will recommend purely on cost, where the cheapest policy will give you the cover you need. However, the cheapest policy is not always best and we will advise you of the details and reasons for our recommendations before your insurance policy is arranged.

Life Insurance

A Life Insurance Plan to provide you with a lump sum to repay your mortgage in the event of death or a policy that with provide a regular income for your family in the event death, or simply pay for the funeral expenses.

Critical Illness Cover

A policy can be taken out that is designed to pay a lump sum on diagnosis of a specified critical illness. This cover gives you time to review and act on your change in circumstances, for example, take time out with your family, make alterations to your home or to pay for additional medical treatment. These policies have evolved over the last 10 years and some providers also make partial payments on diagnosis of illness in earlier stage conditions.

Income protection

We carry out extensive research and recommendations for Income protection Insurance products – policies that are designed to pay a regular income in the event of an accident or sickness.

Research and Recommendations

LR Finance uses specialist research tools to make comparisons and check product details. Our recommendations on which insurance products will best suit your needs are based on the quality of the plans available across the whole of the market, rather than price alone.

How we charge for our services

You will always know how much we will charge for our advice and recommendation. All financial advisers are required to list their charges and at LR Finance we believe in being open about how we charge.

Typically we will not charge you a fee for advice and arranging an insurance product. We receive commission from the insurer and this is reflected in the premium amount you pay them. The amount of commission varies depending on the type of contract, term of cover and the premium amount.