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Your Protection Centre

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At Your Protection Centre, we advise on the different types of policy which you can take to protect you from the effects of adverse health, inability to work and death. These policies include life cover, critical illness cover, income protection, and mortgage payment protection. Critical illness cover pays out a cash sum if you’re diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs. Some policies will have limited CI definitions which will be listed in your policy documentation.

Life Cover

Life Cover will pay out a lump sum of money if you pass away during the term of the policy. There are many different reasons why you might take out life insurance. You might want to ensure your mortgage is paid off if you die so that you don’t leave the debt to your family, or your main concern might be to leave behind money for your family to live on.

Critical Illness Cover

Critical illness cover pays out a cash lump sum if you’re diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs. A critical illness policy could be used to pay for medical treatment, cover adaptations to your home (such as mobility aids, special equipment or structural changes required due to a disability) or to pay off your mortgage. In fact, it can be used for anything.

Income Protection

Income Protection pays out if you’re unable to work due to sickness or accident. Long-term income protection pays out until retirement, death or your return to work, while short-term income protection pays out for a set period, usually between one and five years.

Mortgage Payment Protection

MPPI is designed to cover your mortgage payments if you’re unable to work due to accident, sickness or unemployment. In exchange for a monthly premium, MPPI pays you a set amount each month, usually for a period of 12 or 24 months or until you go back to work.