PROTECTION PRODUCTS
- We have helped 1000’s of people to secure a mortgage.
- We believe that building a relationship is key to ensuring that you always have the best mortgage for your circumstances.
- We offer advice on other products such as life assurance and critical illness cover
Get in touch for a free, no-obligation chat about how we might be able to help you.
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What insurance products do we offer you?
We offer life assurance and critical illness insurance based on a fair and personal analysis of insurers.
What service do we offer you?
When arranging protection contracts we will act on your behalf when providing advice and making our personal recommendation(s) to you.
Life Assurance (Term Assurance)
Life assurance will pay out a lump sum if you die within the policy term. It is most commonly used to repay a debt for example a mortgage. You can add critical illness to a life assurance policy.
Life Assurance (Term Assurance)
If someone relies on you financially, it is important to ensure that your loved ones or children will be able to maintain mortgage payments, utility bills and essential living costs if you die untimely.
Critical Illness cover
It is designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions such as a heart attack, stroke, certain types/stages of cancer, multiple sclerosis, and loss of limbs. Critical illness cover is typically added to a life assurance policy.
Why should I consider Critical Illness?
If you are diagnosed with a critical illness it may
be that you will not be able to maintain your earnings. You and any loved ones that may rely on you financially will still need to maintain mortgage payments, utility bills and essential living costs. Will this be possible if you lose your income and health.
Income protection insurance pays you a regular income if you can’t work because of sickness or disability and continues until you return to paid work or retire. The regular income typically rises with inflation.
Income Protection
Why should I consider Income Protection?
If you rely on your earnings from employment or self-employment to pay for your mortgage payments, utility bills, essential living costs and to maintain a lifestyle. You will struggle or won’t meet these commitments if you are off work due to sickness/ill health.