Protection
Income Protection
While getting the right mortgage is crucial, safeguarding your ability to make repayments is equally vital. This is where income protection comes in.
What is it?
Income protection is an insurance policy that pays out a portion of your income if you’re unable to work due to specific illness, injury, or disability. This helps ensure you can still meet your financial obligations, such as your mortgage, even if your income stops.
Why is it important for mortgage holders?
Unexpected events can happen to anyone, and even a temporary loss of income can have a significant impact on your finances. Income protection provides peace of mind, knowing you can maintain your financial stability and protect your home during challenging times.
Critical Illness & Life Insurance
The importance of financial security for you and your family should not be overlooked. While finding the right mortgage is crucial, having the proper protection in place is equally important.
Critical illness cover: provides a lump sum payment if you are diagnosed with a specific serious illness. This can help cover essential costs, like mortgage payments, medical bills, or lost income, while you focus on recovery.
Life insurance: ensures your loved ones are financially supported if you were to pass away. The payout can be used to pay off your mortgage, allowing your family to remain in their home, and cover other financial needs without additional burden.
Both these types of insurance offer peace of mind, knowing your family is protected even in difficult times.
Business Protection
Understanding the importance of protecting your greatest investments is vital. Just as you wouldn’t buy a house without insurance, safeguarding your business is equally crucial. Business protection acts as a shield for your business and homeownership dreams against unexpected events.
Key benefits:
Imagine a key employee falls ill, or a vital partner passes away. Business protection ensures loan repayments can still be made, protecting your company’s financial health and preventing mortgage defaults.
This way, your family home and financial stability remain secure even during a business setback. Don’t let your business success impact your homeownership journey – consider business protection for peace of mind on both fronts.
Business Protection
The importance of financial security for you and your family should not be overlooked. While finding the right mortgage is crucial, having the proper protection in place is equally important.
Critical illness cover: provides a lump sum payment if you are diagnosed with a specific serious illness. This can help cover essential costs, like mortgage payments, medical bills, or lost income, while you focus on recovery.
Life insurance: ensures your loved ones are financially supported if you were to pass away. The payout can be used to pay off your mortgage, allowing your family to remain in their home, and cover other financial needs without additional burden.
Both these types of insurance offer peace of mind, knowing your family is protected even in difficult times.
Family Income Benefit
What if you were no longer here?
Family Income Benefit (FIB) ensures your loved ones are financially secure if the unthinkable happens. Unlike standard life insurance, FIB provides a tax-free monthly income, replacing your lost earnings and helping cover essential living costs like mortgage payments, bills, and childcare.
Key benefits:
Peace of mind: Knowing your family is financially protected brings invaluable peace of mind.
Flexible cover: Choose the amount and duration of the income payout to suit your needs.
Affordable premiums: FIB is often a more cost-effective solution than traditional life insurance for income replacement.
Home Insurance
Owning a home is a significant investment, and safeguarding it with comprehensive home insurance is crucial. That’s where we come in.
By partnering with reputable insurers, we offer a range of competitive home insurance policies tailored to your individual needs and budget. Whether you’re a homeowner, first-time buyer, or buy-to-let investor, we’ll find a policy that covers:
Buildings and contents: Protect your property structure and its valuable possessions from unforeseen events like fire, theft, flood, and storms.
Public liability: Ensure you’re covered if someone is injured or their property is damaged on your premises.
Additional benefits: Many policies offer optional extras like accidental damage cover, legal expenses, and temporary accommodation in case of emergencies.
Home Insurance
Owning a home is a significant investment, and safeguarding it with comprehensive home insurance is crucial. That’s where we come in.
By partnering with reputable insurers, we offer a range of competitive home insurance policies tailored to your individual needs and budget. Whether you’re a homeowner, first-time buyer, or buy-to-let investor, we’ll find a policy that covers:
Buildings and contents: Protect your property structure and its valuable possessions from unforeseen events like fire, theft, flood, and storms.
Public liability: Ensure you’re covered if someone is injured or their property is damaged on your premises.
Additional benefits: Many policies offer optional extras like accidental damage cover, legal expenses, and temporary accommodation in case of emergencies.