Taking Simple Steps to
Secure your Home or your Business
against life’s Challenges
Options tailored to your needs to protect your home, family
or business when you need it most
Uncomplicated Options to Protect your Home and Business
Our approach to mortgage protection is straightforward.
We know that your home and your business are valuable to you- and not just because they cost money.
During our process to understand your borrowing requirements, our team takes notice of your lifestyle or your business.
Get to Know You:
There is some specific information that we will need to collect from you:
We ask a comprehensive list of questions to make sure that we find the right cover for you.
Is there a history of health concerns in your family?
Family after you.
Do you want to make extra provision for your family. We aim to ensure that your family has the right money at the right time to ensure their wellbeing should the worst happen.
Critical illness cover
As the name suggests, this protects you in the event that you contract a defined critical illness. Illnesses such as cancer and heart attack fall under this product. When you purchase this product it is vital that you declare everything that you know about your health. The level of cover and cost will depend on your family history and current health. It may also consider your job.
Loss of income protection
Another product in the mortgage protection family is income protection. Income protection replaces your income in the event that you are incapacitated through illness. Income protection will typically payout after a defined period until you retire, return to work or die. You won’t get a payout if you’re made redundant, however, and insurers have reacted in different ways to the Coronavirus outbreak.
Most people know what life insurance is. Most lenders will check that you have it in place when you take out a mortgage with them. It pays out a sum of money in the event of your death. But there are different variations of cover to ensure that the policy matches the mortgage that you have taken out;
If you’re a company director, a partner in a business, or sole trader there are options for you to consider to protect you. Not only can you protect yourself and your family in the same way as you would for mortgage protection. But you can protect your business against the loss of key employees to ensure business continuity.
Our clients are very happy to work with us
Great customer service and advice. Patient and thorough, takes the time to explain the details and nuances no matter how trivial an issue may be. I’ve always felt like I was in very safe hands