PROTECTION/INSURANCE

PROTECTING YOUR MORTGAGE AND HOME

Your home is your biggest asset and a mortgage is normally the biggest financial commitment you are likely to make. You need to make sure that both you and your home are fully insured and protected.

We offer specialist independent advice on:

Life Cover – to ensure your dependents can remain in their home by repaying the outstanding mortgage if you were to die during the mortgage term.

Critical Illness Cover – to ensure you and your dependents can remain in your home by repaying the mortgage should you suffer a serious illness during the mortgage term.

We also offer Buildings and Contents insurance to protect the home against such things as fire and flood, and your contents against damage, theft etc.

In addition to this, we can arrange Accident, Sickness and Unemployment policies, which cover the monthly mortgage payment if you are off work through illness, injury or being made redundant.

PROTECTING YOUR FAMILY

If you have a home and/or a family, there are further commitments beyond just paying the mortgage which need to be considered.

If you have dependent children, it might not be enough even to repay the mortgage on the event of your death – what about the other costs of running the home? If there was only one adult in the household, would you need to pay for extra childcare, or give up work to look after your family? How would you pay for this?

Family Income Benefit – a low-cost insurance designed to pay a monthly or annual income on your death, to help meet the costs of running your home.

Permanent Health Insurance – to provide an income if you were unable to work through illness, until return to work, or retirement.

There are a variety of ways to set up these policies, which can be in single or joint names, and written into trust where appropriate. We will advise the best way to arrange your protection, focusing on your priorities, to get the best value solution. To discuss your needs contact us today.

Contact us for more information