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Protecting Your Everything

Buying a home is a big commitment

We will talk about the options around protecting you, your income, your family, your property and contents against the unexpected.

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!

If you’re remortgaging or moving home, it’s a good time to review any existing arrangements to make sure you have sufficient cover and they’re still the relevant products for you.

We offer a wide range of protection policies that are designed to help you continue to meet your mortgage and family commitments should any of these events happen.

Below are examples of the products we offer, the content does not constitute advice on suitability of product for an individual’s circumstances and that any significant product terms, conditions, or exclusions are highlighted.

Critical Illness

Protecting your livlihood

This is a tax-free lump sum on the diagnosis of specified critical illnesses. The top four critical illness claims are cancer, stroke, heart attack and multiple scleroses.

The benefit received could be used to repay or reduce your mortgage, pay additional medical expenses incurred, pay for the best private treatment and or care, rest and recuperation, adapting your home or to cover your family’s essential expenses while you are recovering.

It can also include children’s cover.

Life Insurance

Protecting your family’s future

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

Protecting your income

It’s beneficial if something happens to you, to be able to repay the mortgage. We want your family being able to maintain their standard of living and have the choice to stay in the family home.

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.

Income Protection

Protecting your family’s lifestyle

What if you had an accident or suffered a sickness so that you 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. This can be for a limited period or until you retire.

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