You need to consider what would happen to you, your partner and your family if you couldn't pay your mortgage due to considerable change in circumstances.
We have access to a range of protection providers to help ensure, should the worst happen, you can keep
the roof over you and your family’s head.
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Life Insurance
Life insurance gives you peace of mind that your loved ones will be provided for should you die. Nowadays many of the plans will even pay out in the event of a Terminal illness i.e. if you are diagnosed with less than 12 months to live. There are many different ways to arrange life cover and our advisors can help you find the best deals available.
Level term insurance provides a set level of cover for the term you choose. This can be used for a variety of purposes.
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Mortgage Protection
Mortgage protection
is generally the name given to a Decreasing Term policy. This generally runs side by side with a Repayment mortgage and the cover decreases over the term as the mortgage decreases.
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Critical Illness Cover
Critical illness cover pays a cash lump sum on diagnosis of a specified critical illness and can be the solution to your financial worries at this time. For this relatively small cost, you could help your family and yourself cope for a while without income to pay household bills and debts.
This type of cover will pay out a lump sum which could pay for other things like:
Private treatment
Prescribed drugs not available through the NHS
Changes to your home
Paying off all/part of your mortgage
There are many illnesses covered and various extra benefits that can be included. For a tailor made solution just call us to arrange a review.
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Income Protection
This offers you the security of a replacement income after a chosen period if you are unable to work due to illness. A lack of any sort of provision would result in your reliance on the state benefit - around £70 per week - which is unlikely to be sufficient to meet your mortgage repayments let alone anything else.
This is where income protection can help as it provides a tax free monthly payment until you are able to return back to work.
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Accident, Sickness & Unemployment Cover
Accident, sickness and unemployment cover can give you peace of mind knowing that in the event of redundancy or illness your mortgage payments will be made and your home will be safe.
Most standard mortgages do not have any protection insurance included, so it's important to decide what kind of separate cover you need. Accident, sickness and unemployment cover insures you against changes in your circumstances due to redundancy, disability, or illness.
Usually payments are made for up to a maximum of 12 months. If you would like to be covered for longer than this you may want
to consider taking out income protection.
For Accident Sickness and Unemployment Insurance our advisors usually offer products from a limited panel of providers.
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Buildings & Contents
Our advisors offer a range of competitive insurance products if you are a Homeowner, Landlord or Tenant from a number of
leading UK insurers.
For your added peace of mind, our advisors can also arrange adequate contents insurance so that your belongings are covered against things like fire, theft and flood.
For Buildings and Contents Insurance our advisors usually offer products from a limited panel of providers.
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