There couldn’t be a more sensible time to review your insurance arrangements than when you are taking on large debts.
With insurance there is no right or wrong – just what you choose to do. It’s your choice how you prepare for an unwanted disaster.
We’ll advise and assist you create bespoke solutions to your situation.
Just take a moment to consider some worst case scenarios:
What would happen if I die?
Will the mortgage be repaid? Can whoever takes it over afford to repay the debt? Will they have a sufficient income after the mortgage is repaid? Will they have to sell the property and move out? Who else might this impact?
Is this really an acceptable situation?
No? We are happy to create affordable life insurance solutions that suit you.
What happens if I can’t work?
We are all reliant on the amazing machine that is ourselves. But what if you “break down” for a while, or longer? How long will your employer continue to pay you? What happens when they stop? The mortgage won’t disappear and neither will the bills.
You should consider protecting yourself against loss of earnings, through income protection, Critical Illness cover and / or Accident and Sickness insurance.
What happens if the property is damaged / destroyed or the contents stolen or ruined?
Buildings insurance is the only mandatory requirement. However you’ll probably want to cover contents too.
We’ll make sure that in case of disaster, the right money gets into the right hands.
