Mortgage Protection & Life Insurance

In conjunction with you the client we will tailor the mortgage protection to your individual needs and requirements.

There are so many different types of insurance policies available, we will advise you on what would be suitable and ensure the advice is clear and straightforward.

Income Protection

When ill or injured and unable to work, Income Protection Insurance is there to support you. It pays a proportion of your earnings which will allow you to concentrate on looking after your health. This is ideal if self-employed or in conjunction with employed benefits. We will tailor this to fit your needs and requirements to suit your circumstances.

Private Medical Insurance (PMI)

PMI at its most basic is private health insurance that pays out for treatment if you fall ill. However, private health insurance doesn’t cover you for everything and differs from provider to provider. The product is designed to pay for private treatment of medical conditions that respond quickly to treatment as well as elective surgery and medical tests. 

Mortgage Protection & Level Term

Level Term

Insurers will pay out a specific sum assured if the person or persons of the assured dies before a specific expiry date. The sum assured does not usually vary during the term of the policy.

Mortgage Protection

A decreasing term assurance policy where the lump sum reduces in line with the capital amount outstanding under a capital and interest repayment mortgage. The premium remains constant.

Accidental Injury Cover

This is for people who are looking to protect themselves or their dependents in the case of accidental injury or hospitalisation. The lump sum benefits can be used to supplement a reduced or lost income and in case of life-changing injuries could help cover additional costs.