Protection

Mortgages are a big commitment for most of us, there’s no doubt there. Protecting your mortgage against unforeseen illnesses, unemployment or worse is incredibly important to protect your investment and to ensure you and your loved ones aren’t left high and dry.

We can provide comprehensive advice about insurance policies that will keep your property safe regardless of what might happen in life. Just give us a call and we’ll be happy to help.

Life Assurance

If you want to ensure that your loved ones are taken care of in the eventuality of your death, you should be looking into coverage. Life Assurance policies do not have a fixed end date and remain active as long as the premiums continue to be paid. This means that your family will be guaranteed financial help should you pass away.

Income Protection

When you sign the mortgage paperwork for your new property you do it under the assumption that your income won’t drop. However, sometimes life gets in the way and things go wrong. Income protection insurance gives you peace of mind against unemployment, accidents and even illness that can affect your financial health.

Critical Illness

We’d all like to think that our health will last forever, but unfortunately, that isn’t always the case. Critical Illness Protection can cover you in the event of suffering medical conditions such as heart attacks, strokes and even permanent disabilities in some cases.

Mortgage Payment Protection

While you may be able to meet your mortgage payments under regular circumstances, Mortgage Payment Protection is there in the eventuality that you’re unable to meet those payments in the future. These policies help shield you against missed payments caused by unemployment, sickness and accidents, and more.

Buildings & Contents

Protecting your home and belongings against damage and theft is more and more important in the modern world. We can help put together the perfect plan that covers all your needs and protects you against all eventualities.

Accident & Sickness Cover

Accident & Sickness Cover serves as a short term insurance against loss of earnings in the event of illness. Most packages will pay out for a period of 12-24 months, depending on your personal preferences. This can be an excellent stopgap to protect you against any of the smaller unforeseen health issues that can crop up.

Permanent Health Insurance

While statutory sick pay provides up to 28 weeks of payments, that may not be much help if you develop a serious long term illness. Permanent Health Insurance policies provide you with an income in the event that an illness renders you unable to work for extended or even indefinite periods of time.

Redundancy Cover

Losing your job is a stressful enough experience, without having to worry about potentially missing mortgage payments due to loss of income. Redundancy Cover provides you with short term income payments that can help to cover the shortfall experienced during redundancy.

Income Protection - The plan will have no cash value at any time, and will cease at the end of the term. If premium are not maintained, then cover will lapse.

Critical Illness - The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.