We work hard to find the most competitive insurance products that meet your needs, along with providing 24/7 access to 'Our Insurance Vault' - the 'Free' safe place. We will automatically notify you when your policy is due for renewal - then complete a wide range of searches without any obligation, as it is in our best interest to make sure you get the best cover possible.
We know that you don't want to spend hours on the phone or on price comparison websites, but you do want honest, expert and jargon-free insurance advice, so that is what we provide. Totally independent, our wide range approach means we look to always offer greater choice and value - Our simple, straightforward application processes mean that in most cases, cover can be arranged during your call.
We know that you don't want to spend hours on the phone or on price comparison websites, but you do want honest, expert and jargon-free insurance advice, so that is what we provide. Totally independent, our wide range approach means we look to always offer greater choice and value - Our simple, straightforward application processes mean that in most cases, cover can be arranged during your call.
Services
Protection Policies
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Protection policies are designed to cushion you and your family against the impact of the unexpected, and potentially costly, events, including illness, accident, unemployment and death. You control exactly what aspects of cover you need, so we can create a bespoke policy that works around you. The advice I've received from ST&R over the years has been outstanding, in terms of both personal insurance and cover for my business.
Life Insurance
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ST&R is a market leader in setting up Life Insurance policies. Such policies are designed to pay out a tax-free cash lump sum in the event of you being diagnosed with a Terminal Illness or in the event of your death. At inception, you choose the amount of cover you want and for how long you want it, with the aim of providing financial stability to your family.
Non-standard Life Insurance
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Well, some of you may presume that non-standard life insurance and life insurance are the same thing. However, any individual, who cannot be granted a policy under normal rates, but can be granted with an extra premium, is considered as a Non-Standard Life.
In the event of the insured being exposed to occupational hazards, where the nature of the duty exposes the insured to physical injury and potential disability, the insurer charges an extra premium to cover the extra risk.This is a type of sub standard life insurance.
In the event of the insured being exposed to occupational hazards, where the nature of the duty exposes the insured to physical injury and potential disability, the insurer charges an extra premium to cover the extra risk.This is a type of sub standard life insurance.
Critical Illness
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Critical illness cover pays a tax-free lump sum if you're diagnosed with a defined critical illness during the policy term. ST&R is also a market leader in setting up Critical Illness policies. A Critical Illness policy is designed to pay out a tax-free cash lump sum in the event of you meeting a medical condition as defined by your chosen insurance provider.
Health Insurance
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Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what's health insurance for and why do you need it? To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies means it is quick and easy.
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