At independent mortgage solutions, we have a specialist protection advisor who will go through your individual situation and find the right combination of cover for you whether you want to cover your mortgage, ensure that your children are cared for or if you want to protect your income in the event of you being unable to work through ill health.
We are experts at advising you on your protection requirements:
Thinking about what would happen to your loved ones in the event of your death can be scary; so we will take the stress away from you in one appointment by talking through the options available to you and making sure that a potentially upsetting conversation is made as easy as possible. We work with different providers and will provide you with an individual solution to your requirements and provide you with expert guidance throughout the entire process. We are able to advise on decreasing term (mortgage) life cover; level term assurance; family income benefit and whole of life cover.
We will also provide you with guidance on the appropriate trust documentation if required.
Critical Illness Cover
Critical Illness policies are designed to pay you a lump sum if you are diagnosed with a serious specified illness. These contracts vary significantly between providers and are each provider is continually reviewing their contract. If you do not have any cover, we are able to provide expert guidance for you.
If you have existing cover, we can review this for you to ensure that not only are you getting a competitive price but that you are covered for the things that really matter.
Do you know how long your employer would pay you if you were off sick?
We can arrange cover for you to provide you with a monthly income in order to help you and your family to cope financially if you are unable to work due to ill health.