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We'll contact you and ask some questions about your circumstances. We'll give you all the advice and help you need and then recommend the best mortgage for you.
Insurance
Life Insurance
Life Insurance pays out a lump sum or monthly income if someone dies or is diagnosed with a terminal illness. Put simply, life insurance can help keep you or your family in your own home if you become terminally ill, or pass away.
Whole of Life Insurance
A Whole of Life insurance policy is a type of permanent insurance that provides a guaranteed death benefit and can have fixed premiums. This policy is guaranteed to pay out for the whole of your life, whereas most life insurance policies will end at a certain age – usually 85.
Accident, Sickness & Unemployment Insurance
Accident, Sickness & Unemployment Insurance (ASU), provides you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs. This insurance is referred to as Mortgage Payment Protection.
Benefits are usually payable for a maximum of 12 months.
Usually, you choose whether you want to receive benefit for accident and sickness only, unemployment only or all three.
Most policies will also have a 'deferment period' of 30, 60 or 90 days. This is the time you have to wait to start receiving benefits from the ASU policy after you have become ill, had an accident or become unemployed.
Alternatively some ASU policies have a waiting period after which time the claim is paid in full. With a 30-day waiting period, on the 31st day of unemployment or disability the claim is back-dated to day one and paid in full.
The policies we recommend do not have a cash value at any time.