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WE HOPE YOU NEVER NEED IT, BUT JUST IN CASE
Taking out a mortgage is a huge commitment and for many of us, this is the most we will ever borrow in our lives. This is why it is so important to ensure that you have a plan should the worst happen.
We will often leave loved ones behind with our debts. We can look at your circumstances on a case-by-case basis to ensure that you are fully prepared to ensure that this does not happen.
We can look at many types of cover to suit all needs and budgets. It is always better to have a little bit of cover than none at all.
As with all insurance policies, conditions and exclusions will apply.
WHAT TYPES OF PROTECTION WE ADVISE ON
Life insurance is the most common cover taken out to ensure that the mortgage is cleared in the event of passing away, by paying out a lump sum in the event of a claim.
Critical illness cover works in a similar way to life insurance, except you can make a claim in the event of being disagnosed with one of the specified number of serious illnesses and not in the event of passing away. Pays out a lump sum in the event of a claim.
Income protection insures a percentage of your current monthly income in the event that you are unable to work. We often think about insuring our assets but not insuring our income. Pays out a tax free monthly installment in the event of a claim.
FAMILY INCOME BENEFIT
Family income benefit is a product that covers you in the event of passing away, but unlike life insurance, a monthly installment is paid out instead of a lump sum payment.