What kind of insurance are you looking for?

Nobody likes to think about something bad happening, to either themselves or those closest to them, but taking out insurance for it can mean that money is one less problem to think about during a very stressful time. There are three main kinds of insurance that help protect you if you’re ill, have a change of income for one reason or another, or in the event of the death of you or your partner.

Life Insurance

Critical Illness

Mortgage Protection

Life Insurance

Life insurance is really important, especially so if you own a house (and have a mortgage) with your partner. So important in fact that mortgage lenders have been known to insist on life insurance being in place, before they’ll lend customers the money.

What will life insurance cover?

In the event of death, life insurance policies tend to pay a lump sum to the person named on the policy who has joint financial responsibilities (usually a mortgage) with the deceased.

Different insurers will vary in their products, but in general a life insurance  policy will offer:

  • A lump sum in the event of death
  • The sum is based on a calculation agreed on at the time of taking out the policy
  • Usually the amount will be based on the mortgage

How much does life insurance cost?

The amount you pay each month will depend on which type of cover you choose (level term or decreasing term), and what lump sum you’d want for your family in the event of your death. Other factors that impact the cost are:

  • Current health
  • Age
  • Previous illnesses
  • Family health history
  • Smoker/non-smoker

Completing your life insurance enquiry

Enquiring is quick and easy, leave the rest to us.

Complete the form

We’ll simply ask for some details about you, and find out what you’re looking for.

Our broker will find your life insurance

They then match that information to find the best insurance for you.

And relax

Once the insurance is in place, you can relax knowing that even in the event of your death – your family is protected.

Complete the form and an advisor will contact you to discuss your requirements

Critical Illness Insurance

You can’t be too careful when it comes to protecting you and your family. If you or your partner became critically ill, money could be an extra worry on top of everything else.

What will critical illness insurance cover?

This will depend on the option you go for, and which insurance company too. In general critical illness insurance can offer:

  • A tax-free lump sum to help towards day-to-day costs of living
  • Different insurance providers cover various conditions, so always ask for a full list

How much does critical illness insurance cost?

The amount you pay each month will depend on which type of cover you choose (level term or decreasing term), what illnesses you want cover for, and how long you want the cover to last. Other factors that impact the cost are:

  • Current health
  • Age
  • Previous illnesses
  • Family health history
  • Smoker/non-smoker

Completing your critical illness insurance enquiry

Enquiring is quick and easy, leave the rest to us.

Complete the form

We’ll simply ask for some details about you, and find out what you’re looking for.

Our broker will find your critical illness insurance

They then match that information to find the best insurance for you.

And relax

Once the insurance is in place, you can relax knowing that whatever happens – your family is protected.

We can make getting insurance sorted easy. Enquire today

Mortgage Protection Insurance

Making sure that if something did happen – either a loss of job and therefore income, or an illness which rendered you unable to meet payments – the mortgage would be covered, and your home would be safe from repossession, can be a great peace of mind.

Your mortgage is likely to be your largest monthly outgoing – and so if you were suddenly unable to work, due to illness or redundancy for instance, it’d likely be your biggest financial concern, as failure to pay, could mean losing your home.

There are two main options when it comes to mortgage protection insurance:

  1. You take out mortgage protection insurance specifically to cover your mortgage payments if you face a specific set of situations – these situations would be defined by your lender
  2. Or, you get general income protection insurance (where the payments you would receive could be used for anything).

What will my mortgage protection insurance cover?

This will depend on the insurance provider and the options you go for – different insurance companies offer varying products, but the maximum monthly allowance for MPPI (ASU) is 65% of your gross monthly salary. You’ll always be asked what you want to protect. This could include:

  • Salary
  • Mortgage payments
  • Any loans you might have
  • Credit card repayments
  • Any other financial commitments

How much does mortgage protection insurance cost?

The amount you pay each month will depend on which type of cover you choose, how long you want to be covered for and the percentage of income you’d like to cover. Other factors that impact the cost are:

  • Age
  • Job
  • Whether you’re a smoker
  • Family medical history
  • Your general health

Completing your mortgage protection insurance enquiry

Enquiring is quick and easy, leave the rest to us.

Complete the form

We’ll simply ask for some details about you, and find out what you’re looking for.

Our broker will find your mortgage protection insurance

They then match that information to find the best insurance for you.

And relax

Once the insurance is in place, you can relax knowing that whatever happens – your mortgage is covered.

  • Helping you find your best possible insurance
  • Free insurance advice, with no obligation
  • Making sure your home is safe from repossession
  • Protecting your family for when the unexpected happens

We can make getting insurance sorted easy. Enquire today