NMS Financial Protection

Here at NMS Financial Ltd we help individuals, families and companies protect themselves from life's unexpected events.

We specialise in building a protection package to suit your individual requirements, as everyone's needs are different, we can tailor a package to suit you and your family's needs helping you provide that essential cover that you and your family deserves.

Here at NMS Financial Ltd we offer insurance contracts from some of the UK’s top insurance companies that we work alongside.

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Life Insurance

Level Term Life Insurance

Level term is the most common type of life insurance and is designed to provide a fixed payout to your beneficiaries. You set the term of the policy, the amount of cover that is paid out and also decide who the money goes to (known as the beneficiary).

Critical Illness

This money could be used to support your family if you're unable to work, pay for specialist medical care or simply spend as you see fit.

Critical illness cover can also run alongside life insurance, where the policy either pays out on diagnosis of a critical illness or upon death (whichever should occur first).

Reducing Term Insurance
( Mortgage protection )

This type of policy can be used to pay off a repayment mortgage in the event of the policy holder's death. For interest only mortgages, a level term policy may be more suitable.

Because the cover amount reduces over time, decreasing term insurance is usually cheaper than level term (where the sum assured stays the same or 'level' throughout the term). Like all term insurance, it will only pay out if the policy holder were to die within the term of the policy.

Whole of Life Insurance

Unlike term insurance, which pays out when the policy holder dies within a specific time frame or 'term', whole of life insurance will pay out regardless of when the policy holder dies.

Because the insurer knows they will have to pay out, whole of life insurance can be more expensive than level and decreasing term policies.

Please feel free to use our online call back form and we’ll call you at your convenience.

Income Protection

Income protection pays you a regular monthly benefit if you are unable to work due to; For example:
  • An accident like a broken bone or a bad back
  • Sickness like colds and flues, viruses or your more serious illnesses like cancer and heart attacks.
You can chose the amount of monthly benefit you require (depending on provider) mainly a percentage of your gross earned income.
You can choose a benefit period which can be either long term (Pays oxut for up to 5 years or retirement) or short term (Pays out for 1 or 2 years).

For simple, and sound advice call us today on 0845 519 3825.

(Calls cost up to £0.07p per minute plus your phone company's access charge.)

Please feel free to use our online call back form and we’ll call you at your convenience.

Contact us to find out more

NMS Financial Ltd
61 Church Way
North Shields
Tyne and Wear
NE29 0AE

Tel: 0845 519 3825

(Calls cost up to £0.07p per minute plus your phone company's access charge.)

Fax: 0845 519 3822

(Calls cost up to £0.07p per minute plus your phone company's access charge.)


This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.