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Protection

When we review your mortgage arrangements, we also review your mortgage and life protection.  They go hand in hand.

So now the mortgage is sorted.  Lets make sure you can continue to pay it.

It's easy to think you've got everything covered, but would your family be able to manage financially if you had to stop working because of a critical or terminal illness, or if you died?  If they could not manage, what would they have to give up?

Even if you don't work and have no income to lose, imagine the cost of having to get someone in to carry out the everyday tasks that you normally do.

It is a sensible precaution to take protection cover against the unknown, the what if...?

Life assurance

  • Life cover will provide a cash lump sum, tax free, if you die during the cover term or develop a terminal illness with 18 months left on the cover term.
  • Critical illness cover will provide a cash lump sum, tax free, if you suffer a critical illness or disability, as described by your policy, during the cover term.
  • Life and Earlier Critical Illness cover includes life cover as well as critical illness cover.

Accident Sickness & Unemployment

We can advise on a range of competitive Accident Sickness & Unemployment products from a panel of market leading Accident Sickness & Unemployment Insurance providers.


This income protection
pays out a regular income if you are unable to work due to illness or accidental injury and suffer a loss of earnings during the cover term

Income Protection Insurance

We can advise on a range of competitive Income Protection products from a panel of market leading Income Protection Insurance providers.

This protection pays out for a monthly sum in the event that you suffer an accident, or are ill and unable to work or have been made redundant.

  • Accident, Sickness and Unemployment Cover typically costs 4.71 a month for every 100 of monthly benefit.  This is based on a 36-year-old customer choosing 850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.

    The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

     

    There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial advice about this type of insurance, please visit the website www.moneyadviceservice.org.uk

    enquiries@themortgageadvisors.co.uk

 


Call us now to discuss your mortgage with a fully qualified mortgage advisor....

01425 480517 or
07773165752 or by email at enquiries@themortgageadvisors.co.uk  


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

*WE DO NOT NORMALLY CHARGE A FEE FOR MORTGAGE ADVICE.
 HOWEVER WE RESERVE THE RIGHT TO CHARGE UP TO £250, DEPENDING ON YOUR CIRCUMSTANCES.
 
IF WE DO CHARGE A FEE ANY COST WILL BE AGREED AND EXPLAINED TO YOU CLEARLY BEFORE YOU COMMIT TO ANY COURSE OF ACTION.

The Mortgage Advisors is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

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