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Financial Advice

Independent Financial Advice

Authorised and Regulated by the Financial Services Authority – Balens Registration Number 305787, H & L Balen & Co. Registration Number 116480. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.

Balens is a trading name of Balens Ltd. Registered in England and Wales, No. 4931050. Registered office: 2 Nimrod House, Sandy’s Rd, Malvern, Worcs, WR14 1JJ

Mr David Balen is the proprietor of H&L Balens & Co. Office Address: 2 Nimrod House, Sandy’s Rd, Malvern, Worcs, WR14 1JJ

Balens has passporting rights enabling us to carry out insurance transactions within EEA states. This business is not regulated by the Financial Services Authority, however, we apply the same compliance protocol across all of our business. Therefore regardless of where you reside we hope you will find our website beneficial and we can help you with your insurance.

Income Protection

Balens cover all types of Permanent Health Insurance giving long term disability cover, to shorter term Personal Accident and Sickness Insurance, Lump Sum Disablement Covers to Friendly Society Income Plans. All have positive and negative points to consider, and to do this our independent and impartial stance can support and guide you through the process.

An Income Protection Plan offers a means of replacing your income to help maintain a manageable lifestyle in the event of incapacity. Certainly, being stressed about money doesn't help the road to recovery!

There are many factors to think about when choosing an income protection plan, and independent financial advice can help you find the best deal to meet your needs. There are many plans and types of contract to consider.

You must have sufficient taxable income after expenses to support your chosen sum insured - Insurers will pay up to 60% of this figure. See our section on Claims also about this.

Quality, unbiased advice can help you understand the 'small print' so that you know exactly what you are getting. This is crucial when protecting your earnings so that you can continue to pay the bills, which will keep coming whether you work or not!

Call us on 01684 581 876 or email carol@balen.co.uk or db@balen.co.uk