Insurance Advice in Carlisle & Dumfries
At Galloway Jennings, we specialise in providing expert insurance advice to clients in Dumfries, Carlisle, and the surrounding areas. Whether looking for simple life insurance, have a complex medical or require a holistic protection package, our experienced local team is here to support and guide you every step of the way.
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How does it Work?
You’re only 3-steps away from getting insured…
Our first chat
Let’s grab a drink and find out a bit more about you, your goals and your circumstances. You talk, we take notes.
Find the deal
We’ll find an insurance plan(s) that’s perfectly tailored to your needs, offering all the most suitable options and support for you and your family.
Leave it to us
Once we have all the information we need, we will begin to apply, keeping you informed every step of the way.
Insurance Services
There are several key reasons why we strongly recommend having a Life Insurance policy. With years of industry experience, our team understands the importance of financial security, and these are some of the most crucial reasons to consider:
- You have dependants who rely on you financially
- Your partner depends on your income to cover household bills
- You have family living in a home where you pay the mortgage
- To ensure funeral expenses are covered
- Others are financially dependent on you
We always emphasise to our clients that while life may be uncertain, the well-being of your loved ones doesn’t have to be. Life Insurance acts as a financial safety net, providing crucial support for those who depend on you the most.
Critical Illness Cover varies between policies, but most insurers provide protection for major illnesses, most commonly covered under our policies include:
- Cancer
- Heart attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s
- Dementia
- Paralysis
- Loss of limbs
- Parkinson’s disease
While we also offer cover for a range of other conditions, these are the most commonly claimed. We understand that every situation is unique, which is why we’re always happy to discuss your diagnosis or that of a loved one and find a policy tailored to your needs.
Income Protection provides a financial safety net, paying out a percentage of your earnings before tax, usually between 50% and 70% if you’re unable to work due to illness or injury. It pays out a regular, tax-free income to help cover essential expenses, such as mortgage payments, bills, and daily living costs, until you’re able to return to work or reach the end of the policy term. Unlike other types of cover, Income Protection pays out for as long as you need it, ensuring financial stability during difficult times.
Home Insurance protects your property and belongings against unexpected events such as fire, theft, flooding, and accidental damage. It typically comes in two types: Buildings Insurance, which covers the structure of your home, and Contents Insurance, which protects your personal possessions. A comprehensive policy ensures that if disaster strikes, you’re financially covered for repairs, replacements, and even temporary accommodation if needed.
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Frequently asked questions
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Protection Insurance is a broad term for policies that provide financial security in case of illness, injury, death, or inability to work. Common types include Life Insurance, Critical Illness Cover, and Income Protection.
Life Insurance pays a lump sum to your beneficiaries if you pass away, while Critical Illness Cover provides a payout if you’re diagnosed with a serious illness, helping with medical costs, bills, or lifestyle adjustments.
Yes, you can combine different types of Protection Insurance (e.g., Life Insurance and Income Protection) to create a comprehensive safety net tailored to your financial situation and needs.
Many Income Protection and Critical Illness policies cover mental health conditions, but it depends on the insurer. It’s important to check policy details or speak to an adviser to ensure you have the right level of cover.