Ryan Ferrara - Specialist Protection Insurance Adviser

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Ryan Ferrara - Specialist Protection Insurance Adviser

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ryan Ferrara - Specialist Protection Insurance Adviser, Insurance broker, Fenice Court, Phoenix Park, St Neots.

I’m an experienced protection insurance adviser, advising my clients how they can implement the right protection planning for themselves, their families & their businesses.

09/05/2025

It’s truly a great feeling when clients are grateful for your help & support.

I love helping First Time Buyers and these clients were a delight to work with.

Congratulations on your completion and wishing you all the very best in your new home! 🏡😁

29/04/2025

What is the difference between Life Insurance & Mortgage Life Insurance, or Mortgage Life Protection?

(drum roll, please)…

Absolutely NOTHING ❌.

Advisers will use these terms to essentially tailor the cover to the need area.

For example:

If you’re obtaining Life Insurance for your mortgage, we would tailor the cover amount to the balance & term of your mortgage. As this is tailored to the specific need area of the mortgage, this becomes your ‘Mortgage Life Insurance’.

The same applies with Family Protection, should you tailor a cover amount to your need area of financially protecting your family in the event of your death, this could be called ‘Family Life Protection’.

✅ The best way to understand the terms and covers is to speak with a reputable adviser, one that will explain all the detail in an understandable manner and bust that jargon that is sometimes used.

Hi – I’m Ryan 👋🏻😀, an experienced, whole of market protection adviser, assisting clients with financially protecting themselves, their families and their businesses.

If you feel like a conversation would be beneficial, please do:
DM Me ✉
Phone Me 📱
Connect with Me 🤝

26/04/2025

Private Medical Insurance (PMI) – what is it?

This type of cover allows you to have access to private healthcare, cutting edge treatment, diagnostics and above all else, peace of mind you’ll be assisted with a fast diagnosis and plan of action to aid your recovery efficiently.

I’m please to now be authorised to advise & arrange this type of cover.

With access to the largest providers & best covers across the market, from BUPA to Aviva, Vitality, AXA and others, we can search the market to ensure the right level of cover & premium is chosen for you.

To investigate your options with me, please do feel free to make contact.

As ever, there’s no fees for what we do.

DM Me ✉
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Connect with Me 🤝

25/04/2025

Income Protection and hobbies don’t always go together ‼️.

Please, let me explain.

Typically, if you take part in a hobby or past time which is deemed ‘dangerous’, providers will usually look to exclude any claims being paid should you be unable to work from a condition or injury sustained whilst doing that past time.

For example, let’s take horse riding.

If you’re partaking in this for just pleasure purposes, limited to areas such as private hacking, then insurers are usually OK with this, and exclusions typically won't be applied to your plan.

However, should you partake in other areas of the sport deemed to be more ‘dangerous’, these are areas such as show jumping, hunting or you’re earning from your activities, then Income Protection could be harder to obtain without an exclusion for this pastime.

Knowing your client’s situation and matching this to the specific provider that is best for them is vital.

Therefore, it’s always best practice for your adviser to ask the questions that will assist with the correct provider being chosen.

If you’re unsure that the cover you have in best for you, or you’d like to investigate your options, I’m here and happy to do so!

To work with me:
DM Me ✉
Phone Me 📱
Connect with Me 🤝

17/04/2025

I must apologise for my silence around here, there’s been some exciting changes cooking in the background.

I’m delighted to announce an enhanced offering, by increasing our panel of providers and becoming ‘Whole of Market’, as well as the further covers we’re now able to offer.

We continue to advise and arrange covers as previous and with these positive changes, we can now offer greater solutions for your protection planning, such as:

• Private Medical Insurance (Personal)
• Income Protection for diabetic clients*
• ‘Complex’ underwriting
• Whole of Life Insurance
• Group Life Insurance
• Group Critical Illness Insurance
• Group Income Protection Insurance
• Group Private Medical Insurance

I’m sure you will be pleased to know that I, however, haven’t changed. I’m still your smiley, happy and honest Protection Adviser, looking to help more and more people protect themselves, their families and their businesses.

If you’re thinking of reviewing your plans, or would like to implement any covers, I’d be delighted to be able to assist!

⭐️ 📸 and to continue with the positive news, I wanted to share a recent client review.

DM Me ✉
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Connect with Me 🤝

10/02/2025

Are you a teacher and do you have, or are you looking to implement an Income Protection plan?

Well, before you either review your cover or set a plan up, you might want to read this ⬇️.

With Income Protection through trusted provider’s, such as LV=, The Exeter & Vitality, they have a benefit which is tailored to teachers.

This benefit is where they will match your waiting period to that of your sick pay through work.

Like other industries, teacher’s sick pay is staggered with the level of service they have given.

Therefore, through these providers, you’re able to set a 12-month waiting period and the insurer will pay a claim in-line with this, ensuring you receive the payment of the claim at the right time for your circumstances.

The benefit to this? Well, it can make the premium much cheaper.

As advisers, we will always take each client’s circumstances & requirements into account, and the provider recommended is a very important factor in this.

So, if you wish, Let’s Talk.

Approved by The Openwork Partnership on 04/10/2024.

27/01/2025

Recently, we received some really lovely client feedback.

Our clients wrote some kind words. However, I specifically chose the below to showcase their experience.

There most definitely were better words to choose from and my marketing friends will most probably tell me off for this choice of words.

But, I liked them 😃.

If you wish, please feel free to check out the full review on Google.

18/01/2025

The cost of va**ng & life insurance.

During the Christmas break I held a review meeting with an existing client.

As we do, we discussed through the clients’ requirements and any change in circumstance.

The great news is that our client had stopped va**ng last year, and they were now just over 12 months with no v**e.

By making this slight change and no other health changes, the client is going to save £4,592.64 over the term of their life insurance plan.

The moral of the story is that reviewing your plans is very important, especially with changes like this.

So, if you wish to review your plans and speak to an adviser, I’d love to become your adviser.

Approved by The Openwork Partnership 16/01/2025.

19/12/2024

We held our AGM this afternoon.

Here’s me with the boss on the right and the big boss in the middle.

The big boss has been slightly demanding these past 12 months 🤣, but the job satisfaction I receive couldn’t be any better! 🥰.

Celebrating the year that’s gone with our annual Christmas lunch 🎄.

My business is my family and it’s very rewarding ❤️.

Merry Christmas one and all 😃🎅🏻.

27/11/2024

Rain, Rain, Go Away! ☔️ - but client reviews are always welcome to stay! 😃.

Address

Fenice Court, Phoenix Park
St Neots
PE198EP

Telephone

+441480477774

Website

https://premierplus.co.uk/

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