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Mortgage Protection

What is Mortgage Insurance?

Well, insurance companies have different ideas about this and market their products under this category.

Mortgage insurance plans are in the main a decreasing life assurance plan which is designed to reduce at the same rate as your repayment mortgage balance. The policy and mortgage term are generally identical. Should death occur during the period it will usually guarantee to repay the loan. In some cases a level term assurance can also be called a mortgage protection plan.

Other mortgage insurance plans are ultimately designed to help protect your mortgage loan from the risk of default by covering you for accident, sickness, and unemployment.

It is likely that your home is the largest investment you have made, and as such it is important to ensure that you have adequate mortgage protection insurance to cover you for these risks.

Total Mortgage Protection

By combining Mortgage Payment Protection Insurance and Mortgage Life Insurance and Critical Illness Cover you are covered against a range of both short term and long term risks.

These risks include protecting your monthly mortgage repayments against short-term accident, sickness or unemployment and the unfortunate event of death during the term of the mortgage loan.

  • A cash lump sum benefit for your loved ones providing them with financial protection should you pass away.
  • Advanced cash lump sum should you suffer a terminal illness.
  • Fixed monthly premiums during the life of your policy.
  • We compare all the leading UK insurers to find you the best deal

For more information please call us now on 01323 412013