There are many different types of mortgage protection insurance to cover you for all eventualities. Many people think they are covered and have the correct amount and type of cover. However, this is rarely the case. Especially if it has been some time since your last review and your circumstances have changed.
Let our mortgage advisers create a protection solution to match your current and future needs that fully protects you and your family.
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What a superb service. From a great professional work ethic, to monthly mortgage savings Ivan had it all. Was always available if anything needed to be discussed. Made sure... read more
Great personable Service. My case was very complex and required several consultations. Ivan was very patient in sorting out all the technical details and was always available on the phone.... read more
Ivan Whitelocks satisfied all my needs. Guiding me through the process with ease. He was easy to reach and quick to reply to any enquires. Going above and beyond at... read more
Elementary mortgage solutions arranged a remortgage on a property we let out. The process was extremely simple and we got an excellent deal that lowered our monthly payments considerably. I'd... read more
Thanks for sorting out our re-mortgage, very professional, easy process and even got us a better rate and saved us money. Highly recommended.
Fantastic Service. Really took the hassle out of mortgage hunting. Would definitely use again. Stress free from start to finish and very professional. Thank you
Extremely professional and responsive service by Ivan. He was always happy to help and support me through the whole process. Highly recommend!!
Ivan helped us sort our re-mortgage out. It was stress free and Ivan was always at the other end of the phone when we had any questions.
Ivan was brilliant. He was quick and communicated well and was great at giving us advice on our way to picking the best mortgage for our situation. Will definitely use... read more
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Life Insurance is also known as life cover or life assurance. This type of cover allows you to help protect your loved ones financially if you were to die during the term of your policy.
You choose the amount of cover you need and how long you need it for. Premiums can then be paid on a monthly or annual basis. In return, your family has the reassurance of knowing that if you died while covered by the policy, they receive a cash sum payout if a valid claim is made.
Critical Illness Cover
Critical illness cover is designed to pay out a cash sum if you get one of the specified critical illnesses covered during the term of the policy. Policies can include cover for between 40-170 illnesses. The three most common being a heart attack, cancer or a stroke.
Critical Illness Cover can be added to life insurance policies for an additional cost. Other benefits can also include Terminal Illness Cover, Accidental Death Benefit and Children’s Critical Illness Cover.
Family Income Benefit
Family Income Benefit is a form of life insurance that pays out a monthly income (rather than a lump sum).
Where life insurance is often used to pay off an outstanding mortgage in a single lump sum, a Family Income Benefit policy is designed primarily to provide an income to help maintain your dependants standard of living until they reach an age at which they are likely to be self-sufficient.
Income Protection is an insurance policy that pays out if you’re unable to work because of injury or illness. It is designed to replace part of your income.
Income Protection can be arranged to pay out until retirement, death or your return to work. It will not pay out if you’re made redundant. However, policies will often provide ‘back to work’ help if you’re off sick.