Lifestyle Insurance

Mortgage Protection Insurance

Mortgage protection insurance means that if for any of the agreed reasons, you can’t meet your mortgage payments – you’re covered. With mortgage protection insurance; your policy will kick in to make sure you can keep the assets you’ve worked for! There are a number of options. It’s important to understand your whole insurance programme to make sure you’re not paying two sets of premiums covering the same kind of event (no – you won’t get paid twice; it just costs you more).

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Understanding mortgage protection insurance

Mortgage protection insurance can include total disablement cover, partial disablement cover, recurrent disablement cover and even disability reset (which allows you to claim again if you suffer a related problem).

There are a number of additional elements that can be included depending on your circumstances. Things like financial support for retraining (in the event of a claim) or being able to put premiums on hold under agreed circumstances (like redundancy). We’ll walk you through your options and find the best solution for you.

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Mortgage protection insurance extras

There are additional types of insurance that may be better suited to you such as disability insurancetrauma or critical illness insurance, or income protection insurance.

If you’re in business then business income insurancebusiness overheads insurance and key person insurance are likely to be better options for you. Your health insurance policy can also have a role to play. The important thing is to use an experienced broker so you have the right cover for you – and you’re not doubling up!

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Free review and free quote on your mortgage protection insurance

If you’re not sure what cover you do and don’t have in place – talk to us today.

We’ll structure your protection so that you truly understand it and know that you’re getting the absolute best value for money. That way you get more money in your pocket and can focus on living the lifestyle you want.