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Protection Advice
Often an area that causes confusion when discussed in conjunction with Mortgages, Protection is an essential part of the conversation for ensuring financial piece of mind in the event of a period of incapacity, a critical illness diagnosis or death.
- What is Income Protection?
- How much does it cost?
Income Protection is cover to protect your income if you were suddenly unable to work due to illness or injury.
It can pay out a specified amount of money each month during the claim period, the funds can be used to cover monthly expenditure, general household commitments, rent or mortgage costs.
The cost varies depending on a number of factors, including:
- Health
- Occupation
- Requested amount of income to be replaced
- How quickly you wish to receive the funds
- What is Critical Illness Cover?
- How much does it cost?
Critical Illness Cover provides financial support in the event of you experiencing a serious illness diagnosis or experiencing a life changing medical event.
It can pay out a specified amount of money, typically as a single lump sum on acceptance of the claim.
The cost varies depending on a number of factors, including:
- Health
- Occupation
- Requested amount of funds to be received
- The level of cover applied for and what features are included
- What is Life Cover?
- How much does it cost?
Life Cover provides financial support in the event of you passing away. This is often aligned with a mortgage or other financial commitment to ensure that family members know this will be fully repaid in the event of you passing away.
It can pay out a specified amount of money, typically as a single lump sum on acceptance of the claim.
The cost varies depending on a number of factors, including:
- Health
- Occupation
- Requested amount of funds to be received
- The level of cover applied for and what features are included