Income Protection

Income Protection Insurance

Income protection insurance provides a tax-free income in the event of you being unable to work due to ill health or an accident.

Any payout is usually based on a percentage of your earnings, you could expect to receive between 50 – 60% of your usual income; the premium you pay will depend on the level of benefit you chose upfront and the payments will cease when you return to work.

There is a wide range of income protection available and as whole of market advisers, First Financial Solutions (Wales) works with insurers across the UK to find the best policy for you.

Should I get income protection insurance?
Can I cover 100% of my earnings?
At what age does income protection insurance stop?

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Securing the present. Protecting your future.
First Financial Solutions was founded in 2008 with a clear vision that we still carry; to make the mortgage and protectin process as painless as possible, by providing clear guidance and information to our clients throughout – from when their mortgage or insurance policy is taken out, through to full term or renewal.

We are independent and are directly authorised by the Financial Conduct Authority (FCA) which assures our clients that we have no network or product restrictions, and we also have a in-house compliance team that ensures our advisers are always supported and able to give first-class advice.

Why work with First Financial Solutions?
Whole-of-market mortgage and insurance advice
Full support throughout application through to completion and beyond
Committed to long-term customer relationships
Highly qualified and experienced mortgage advisers in South Wales
Dedicated experts in personal insurance and business protection
Flexible approach to working via phone, email, video conference or face-to-face
Based on 14 reviews.
Jordan Wilcox
Jordan Wilcox
2021-03-09
I first approached First Financial Solutions in early 2019 to discuss our options for my wife and I to buy our first home together. Having not only just returned to the UK following 3 years living overseas but also myself being a newly registered sole trader we knew that our application was going to be challenging for our broker. Nevertheless Gareth took this information in his stride and guided us through the obstacles to expect and how we would overcome them. Together we made a plan for the next 12 months and stayed in touch for periodic updates. During this timeframe the coronavirus pandemic also emerged and added its own mixture of challenges to mortgage applications in general. During our periodic discussions Gareth managed our expectations as new requirements emerged and the goalposts were changed such as the lenders requiring a 15% deposit rather than the 10% we initially planned for. At no point were we waiting on any documents or correspondence from Gareth and found him and the company to be very proactive and prepared. Yes using a broker comes at a cost that you may be able to avoid by going through your bank but what you receive in exchange I feel is best described as the human factor. A bank will offer you one of the few products they have available and if you don’t fall into their limited categories then you’re simply unsuitable. First Financial Solutions searched the whole market for a product that best suited our personal circumstances, finding a mortgage that best fitted our criteria, instead of us trying to fit the criteria of the lenders. Gareth and the company as a whole were professional, passionate and are clearly highly experienced in their work. I would be pleased to recommend their services to any friends, family or business clients in the future. Thanks guys.
Ceri Dawes
Ceri Dawes
2021-01-04
Absolutely fantastic service from Chris and his team, they helped us buy the home of our dreams and we will be forever grateful. Great communication and attention to detail, I would recommend to everyone! Thanks guys!
Andrew Harris
Andrew Harris
2020-10-10
Fantastic service. Extremely helpful and professional.
James Morgan
James Morgan
2018-10-15
Can’t speak highly enough of Gareth. Due to work comitments I was unable to attend the FFS (wales) office during office hours. Gareth gladly came to my home (after hours) and provided me with a mortgage at a much better rate than his competitors. Whilst he was here we got some insurances sorted. I now have critical illness and life insurance. Top service! Thanks Gareth and the team at FFS (wales)
David Darkin
David Darkin
2018-10-10
Excellent, professional guidance and advice. I regularly recommend Gareth and the team to my clients, friends and family.
Adrian Williams
Adrian Williams
2017-12-05
I would highly recommend the team at First Financial Solutions helped me to secure a mortgage on my new property. They were able to offer a full range of mortgages and dealt with all the paperwork that needed to be sent back and forth to the mortgage company. They also helped us arrange life insurances and some additional protection to pay bills etc in case of an issue or sickness etc. First Class Service!!
GARY CLEAVES
GARY CLEAVES
2017-11-23
I would like to show my appreciation for the recent re-mortgage of my property under taken by Gareth Morgan and his team at First Finance Solutions. Gareth’s advice every week in BNI is that there is a better deal out there with regard to mortgages. Well here’s the proof. Gareth was able to save me nearly £100.00 per month on a fixed 5 year deal. The communication and attention to detail throughout the process was first class. I would highly recommend First Financial Solutions to anyone looking to re-mortgage.
Dan Madge
Dan Madge
2017-11-22
Excellent service, used Gareth and his team numerous times and has always turned things around quickly and communication been great.
Geoff Lewis
Geoff Lewis
2017-04-12
Gareth and the team at FFSW are excellent in their approach to mortgages. That is why I use them in a professional capacity with clients.
Vince Jordan
Vince Jordan
2017-04-10
Gareth sorted out remortgages on some properties for my wife saving over £800 a month on the payments. I'm happy to recommend Gareth from First Financial Solutions.

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