PROTECTION
We naturally protect the most important things to us, our cars in case of an accident, our mobile phones, many of us insure our pets. But what about the most important asset of all: ourselves!
Buying a home is a big commitment, so we will talk about the options around protecting you, your home and your loved ones. If you’re remortgaging or moving home, its a good time to review any existing arrangements to make sure you have sufficient cover and they’re still the right products for you.
We offer a wide range of protection policies, that are designed to help you continue to meet your mortgage commitments should any of these events happen.
Life Insurance
You wouldn’t want your family to lose their home in the event of your death. If you have a capital repayment mortgage, you will need decreasing mortgage life cover in which the sum insured reduces with your mortgage balance.
Alternatively, level term life cover which pays out a benefit as a lump sum if you die within a set period of time, is useful to cover an interest-only mortgage.
Life Insurance
You wouldn’t want your family to lose their home in the event of your death. If you have a capital repayment mortgage, you will need decreasing mortgage life cover in which the sum insured reduces with your mortgage balance.
Alternatively, level term life cover which pays out a benefit as a lump sum if you die within a set period of time, is useful to cover an interest-only mortgage.
Family Income Benefit
Most people forget about the essential expenses a family has after paying a mortgage. It’s no use repaying a mortgage if the family still cannot afford to live in the property.
Family Income Benefit Life Insurance is a type of life insurance that pays out a regular income to cover essential expenses such as utilities, food, clothing and non-essential expenses such as school fees and holidays. The amount of cover required depends entirely on your lifestyle and the lifestyle you want your family to have.
Family Income Benefit
Most people forget about the essential expenses a family has after paying a mortgage. It’s no use repaying a mortgage if the family still cannot afford to live in the property.
Family Income Benefit Life Insurance is a type of life insurance that pays out a regular income to cover essential expenses such as utilities, food, clothing and non-essential expenses such as school fees and holidays. The amount of cover required depends entirely on your lifestyle and the lifestyle you want your family to have.
Critical Illness
This is a tax-free lump sum on the diagnosis of a specified critical illness. The top three critical illness claims are cancer, stroke and heart attack.
The benefit received could be used to repay or reduce your mortgage, pay additional medical expenses incurred, ensure you receive the best treatment, or to cover your family’s essential expenses while you are recovering.
Critical Illness
This is a tax-free lump sum on the diagnosis of a specified critical illness. The top three critical illness claims are cancer, stroke and heart attack.
The benefit received could be used to repay or reduce your mortgage, pay additional medical expenses incurred, ensure you receive the best treatment, or to cover your family’s essential expenses while you are recovering.
Income Protection
What if you had an accident and could not work? This would have a huge impact on your family’s lifestyle. Income Protection is designed to replace your income in the event you are not able to work due to illness or an accident.
Your employer may pay you for a short time. Income Protection would pay a monthly benefit generally up to 60% of your taxable income at the point your employer pay stops.
Income Protection
What if you had an accident and could not work? This would have a huge impact on your family’s lifestyle. Income Protection is designed to replace your income in the event you’re not able to work due to illness or an accident.
Your employer may pay you for a short time. Income Protection would pay a monthly benefit generally up to 60% of your taxable income at the point your employer pay stops.
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