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Mortgage Protection Insurance
It is important to consider mortgage protection if you have a repayment mortgage or loan and you want to make sure the debt will be repaid if you die, suffer a terminal illness or are diagnosed with a critical illness covered by the plan. It also allows you to include a payment protection benefit if you need an income in the event you can’t work because of long-term injury or illness.
Life Insurance, also known as life cover helps you to financially protect your family’s future. It could pay out a cash sum if you die while covered by the policy. You choose the amount of life cover you need and how long you need it for and you can pay your premiums monthly. Life Insurance offers reassurance that your family will still be looked after financially should the worst happen.
No matter how carefully we plan, the future is always filled with unknowns. It’s almost unthinkable, but if the worst should happen to the main earner of your family, it can become difficult to pay the mortgage and bills. Life insurance can simply protect your family against financial hardships.
Critical Illness Cover
Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. But be aware that not all conditions are covered and policy will also state how serious the condition must be. Don’t confuse critical illness cover with life insurance, although they are sometimes sold together. Examples of critical illnesses that might be covered include Strokes, Heart attacks, Certain types and stages of cancer and conditions such as multiple sclerosis. Most policies will also consider permanent disabilities as a result of injury or illness. It only pays out once and then the policy ends. Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.
Income Protection Insurance
Income protection insurance can ease the burden of a lost wage due to accident or illness, helping you to stay up to date with your financial commitments, such as mortgage repayments. This kind of protection can be essential if you are the main income provider in your household.
Many policies will still provide support if you go back to work at a reduced capacity with lower pay. This allows you to focus on your recovery and spending quality time with those that truly matter.
Home insurance cover can help you to protect your property investment by paying for the repair or replacement of your assets, ensuring you aren’t left with a huge bill if you suffer misfortune, such as fire, flood, or theft.
While mortgage providers will require appropriate buildings insurance to be in place on the mortgaged property, taking out contents cover too means that you can settle into your new home with peace of mind that you are completely protected and will not be at risk financially if something were to go wrong.
Business Insurance is designed to keep your business running. We provide business insurance to small and medium-sized businesses, sole traders and self-employed people.
An initial free consultation is important to assess your needs before we give advice.