Mortgage Brokers in Birmingham

Lutine Assurance Services is a specialist provider of term assurance products. The company was created in 1989, and in 2000 joined Cassidy Davis. The Cassidy Davis Group is the specialist personal lines division of Jubilee Managing Agency Limited. Jubilee Managing Agency operate exclusively in the Lloyd's marketplace.

Our first business principle is to offer you one of the most competitive premium rates in the market. We regularly review our rates to ensure you can offer your clients a great deal. Offering competitive premiums is, however, only half the story, the other half is the service you receive. You are encouraged to speak directly to our underwriters who will be happy to discuss a policy with you, and offer immediate guidance on rating and cover. We are very flexible and will always endeavour to meet your client's needs. Our processing department works to tight deadlines ensuring all applications are processed quickly and efficiently. We aim to respond to all correspondence within 72 hours, and where a medical is required we arrange the appointment to suit your client's convenience. A unique facility offered to brokers is 'Stopgap'. Where your client needs cover in a hurry just complete the term life application form from any life office, fax it over, and you will have an answer within the hour irrespective of the sum assured, or the length of time cover is required. We regularly provide cover for cases with sums assured of up to one million on the day we receive the proposal. If you haven't used Lutine before, give us a try. We are confident you will not be disappointed.

Term Assurance As providers of specialist term assurance we are able to offer a range of covers to meet a wide variety of needs, at some of the most competitive premiums on the market. Policy terms range from one day to ten years, and include a range of options including Level, Renewable, Decreasing (DTA), Increasing and Contingent. The policies may be used to meet a variety of needs including: • Personal and Business Protection • Keyman Insurance • Conventional Term Assurance • Contingency Assurance • Mortgage Protection • Gift Inter Vivos - Inheritance Tax Protection (IHT) • Divorce Maintenance Assurance Our service and underwriting is quick and flexible, and we are able to assume cover subject to underwriting, on receipt of a completed proposal. We are also able to offer cover for high sums assured, and tailor benefits for complicated or unusual cases.

Keywords: mortgage

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