Nobody likes to think of the worst or what would happen if things went wrong. But what would happen if you were unable to work, due to long term illness or were made redundant?
                                                   
How would you pay your mortgage or meet your other monthly commitments? How would your partner meet the monthly mortgage payments, in the event of your death or the diagnosis of you becoming critically ill? These are things you really should be mindful of and failure to meet monthly mortgage repayments could result in mortgage lenders repossessing your home.

We understand how important it is for you to protect yourself, your family and your home. With our experience and expertise, we can tailor a package for you to suit your needs and ultimately your budget. We can advise you which cover is suitable and explain the benefits and extra options available so you can be sure you arrange the right type of policy. If you would like to arrange a review of your protection needs, please contact us.

We search our panel of 9 Insurers to get you a policy that meets your needs from a quality insurer at the best price possible. 

Call one of our expert mortgage advisers now:     0845 475 9950

As a guide, these are the key areas of protection you should consider;     (for more product information please click the link to the left)

Life Assurance
As a minimum, life assurance would typically be taken out to ensure the mortgage is fully repaid on death rather than the property having to be sold to repay the outstanding debt. In addition, you can also take out family protection to cover the loss of earnings to give you extra peace of mind.

Critical Illness
The inability to repay a mortgage or maintain a lifestyle for you and/or your family may also occur should you become seriously ill. Critical illness cover will pay out a lump sum which can then be used to repay your mortgage, replace a valuable income, or support any other expenses such as long term care, subject to a valid claim.

Income Protection
You can protect your income in the event of you not being able to work due to an accident, illness, or unemployment. Any of these circumstances could result in payments being missed which ultimately could lead to you losing your home. Our advisers will explain how income protection can be tailored to your individual circumstances such as ensuring the policy complements the cover that may be provided by your employer, and/or budget restraints.

Buildings & Contents
It is usually a condition of your mortgage that you take out buildings insurance to protect your home. For your peace of mind, it is also important to arrange adequate contents insurance so that your belongings are covered against things like fire, theft and flood.

Facts

• 1 in 8 men aged 30-49 and 1 in 12 women aged 30-49 in the UK may die before they reach 65 (source: Government Actuary’s Department – Interim Life Tables based on data for the years 2007-2008)
  
  
• Over 46,000 properties were repossessed in 2009 (source: Council of Mortgage Lending)
  
  
• 1 in 5 British workers have no insurance and hardly any savings to fall back on (source: Alliance & Leicester Research December 2006) 

How much cover do I need?
This will depend on your mortgage amount. One of our expert mortgage advisers will help you through the process step-by-step, working out how much cover is needed and the cost. They will even take care of all the protection paperwork for you, so you don't need to worry about a thing.