Mortgage protection

Protecting your loved ones affordably

Whether you have outstanding mortgages, or wish to protect dependants in the case of ill health or inability to work, we provide sensitive advice on your most suitable options.

If you have your own business, this service is particularly important as you may need to consider not only how your family is affected, but your staff too.

And because of our knowledge, connections and experience, we can ensure that you protect those that matter to you most within a realistic budget.

Home insurance

We can support you with three types of home insurance policies: building, contents and combined building, and contents cover. Speak to one of our local advisers to work out which policy will suit your needs.

Income protection insurance

Income protection insurance is an affordable but increasingly vital way of giving your family security in the event of serious illness. It essentially replaces part of your income if you can’t work.

In certain circumstances it’s payable until you can work again, or until you retire. But there are many different types, options and stipulations – our knowledgeable consultants can talk you through every single one, and choose a plan that makes sense for you and your family.

There are other providers of Short and long Term Income Protection and other products designed to protect you against loss of income. For information about insurance, please visit the website at www.moneyadviceservice.org.uk

Life insurance

Life insurance is a policy that compensates your family in the event of your death.

There are essentially three types:

  • Level Term Assurance – offering your family straightforward financial support
  • Mortgage Term Assurance – covering mortgage payments only
  • Critical Illness Cover – an add-on that pays a tax-free lump sum if you’re diagnosed with a specified critical illness

Life insurance policies can be very affordable, but choosing the right one is a complicated process. We’re here to make that process hassle free.

Critical illness cover

Critical illness cover can also be purchased separately to a life insurance policy.

The length and nature of your policy can vary widely. It could run until your children are adults, or it could run for your entire life.

The details of each policy differ greatly from one insurer to another. That’s why working with a neutral adviser like us is the best way of ensuring you get fair and appropriate cover.

Call 01793 433 699 to discuss your mortgage protection options today.