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A mortgage is a long-term financial commitment, and therefore it is important to spend time considering how you would continue to pay your monthly mortgage payments if the unthinkable were to happen. These are some questions to consider;

  • How would my loved ones manage financially if I passed away during the mortgage term?
  • Would they be able to keep up the mortgage repayments without my financial support?
  • How long would I be able to continue to pay my mortgage payments if I was unable to work through accident or illness, and my income stopped?
  • Would I be able to remain in my home if I suffered a critical illness which affected my ability to work?

Whether you are looking to protect your mortgage, your loved ones or your income, we have access to a range of insurance products and providers to choose from. Our advisers will discuss with you all of the options available but here are some of the most popular insurance policies to consider:

Life insurance

What would you do if the unthinkable happened to you?

Life insurance provides the peace of mind that if the worst should happen to you, your family would receive a cash lump sum to relieve some of the financial pressures associated with such an event. 

The policy could be arranged to ensure that your mortgage is paid off in full if you were to pass away during the mortgage term, or it can also be paid out as a lump sum which could be paid directly to your family.

Critical Illness Cover

How would you cope if you became critically ill? 

A Critical Illness plan is designed to pay out a specified amount to help towards your mortgage and household bills if you were to suffer a specified critical illness. 

The critical illness cover can vary between insurers, but typically covers between 35 – 150 different conditions including some types of cancer, heart attacks, strokes, multiple sclerosis and loss of limbs.

Income Protection

Have you considered how you would keep up with your monthly commitments if you were unable to work due to illness or injury? 

Income Protection policies are designed to assist in this scenario. Long-term income protection plans can pay out a monthly benefit until your retirement age, death or return to work. Short-term income protection plans can pay out the monthly benefit for a set period of time (usually 12 – 24 months), death or return to work. 

Some employers will continue to pay your salary for a period of time if you are unable to work through sickness or accident, but what happens after this stops? 

How are your mortgage payments and bills going to be paid?
If you are concerned about this, then an income protection policy may be suitable for you.

Contact us today to find out how we may be able to help.

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