Life Insurance & Mortgage Protection

We don’t just help you into your dream home, we ensure you can always stay there.

Easy Mortgages Expert Advice

Insurance & Protection is Not an Extra, It's a Necessity!

It’s never nice thinking about the the “what if’s” or worse case scenario, but it’s important to know your home and family are protected.

Future Proof your Family

If you lose your job, have an accident and can’t work or even pass away, you need to think what would happen to the family and property.

Protect your assets

The good news is we can advise on the best way to protect yourself and your loved ones.

Protect your Income

We can advise you how to protect yourself, your family, your assets and your income.

Different Types Of Protection

Life Insurance

Decreasing term assurance to protect your mortgage, designed to match the exact amount and term so you know if the worst happened the mortgage could be clear. Also, Level term assurance designed to be family protection, you choose the amount and term to match your budget and family requirements.

We some of the UKs top insurance companies including Aviva, Legal and General, Royal London, AIG, Vitality and LV.

Critical illness

Most people don’t like to contemplate what would happen if they were diagnosed with a critical illness. But with survival rates increasing, critical illness cover could provide that all important financial cushion. In the wake of a critical illness survivors can be faced with major financial difficulties, not all can return to work and many need home modifications or private therapeutic care. Paid out through a lump sum, critical illness cover can help alleviate these financial burdens and manage the day to day monthly bills.

Critical illness cover premiums tend to rise with age and will depend on both your and your family’s medical history. Linking your critical illness cover alongside life insurance, can often reduce the costs.

Income Protection

No-one can guarantee they will not be the victim of an accident or be diagnosed with a serious illness. But you can guarantee that the bills will keep arriving. When faced with this difficult situation the majority of people depend on state benefits, which are often below the necessary level. Paid through monthly premiums, an income protection policy is essentially ‘piece of mind’ insurance. Often paying around half your income, the regular tax-free income helps to relieve financial hardship and maintain your standard of living.

Insurance & Protection Explained

Glossary of Important Terms

Adjustable Rate

An interest rate that changes based  on changes in a published market-rate index.

Grace Period

The length of time (usually 31 days)  after a premium is due and unpaid during which  the policy, including all riders, remains in force. If a  premium is paid during the grace period, the premium  is considered to have been paid on time.

Policy

The written contract affecting insurance.

Waiting Period

The time which must pass after filing  a claim before policyholder can collect insurance  benefits. 

Claim

A demand made by the insured, or the insured’s  beneficiary, for payment of the benefits as provided by  the policy.

Underwriting

The process of selecting risks for  insurance and classifying them according to their  degree of insurability so that the appropriate rates may  be assigned. The process also includes rejection of  those risks that do not qualify. 

Liability

In a broad context, this refers to any legally enforceable obligation.

Premium

The price of insurance protection for a  specified risk for a specified period of time. 

Requirements around Insurances and protection can get complicated...

You need a mortgage broker that understands both your requirements AND your needs. We have your best interests at heart at Easy Mortgages.

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Your guide to the types on insurances and protections that are available to protect you, your family and your assets in today's market.

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5 Star Service

What our clients say about us

Francesca KirbyFrancesca Kirby
18:44 28 Dec 22
Charles was really professional and informative with the whole process and options available to us. Despite the difficult market with interest rate increases he managed to secure us a great rate and kept our payments to a reasonable level. Cannot express how truly grateful my husband and I are for all the work he put into getting us the best offer out there and would happily recommend Easy Mortgages to anyone both first time buyers and people remortgaging.
M CM C
08:34 18 Oct 22
Charles from Easy Mortgages did a fantastic job! Really pleased with how efficient and straightforward everything is. From initial mortgage approval, through to underwriting, Charles kept us informed throughout the whole process, and dealt with any queries promptly. He is very knowledgeable in his field, and I would not hesitate to recommend his services.
Adam DowseAdam Dowse
17:21 06 Oct 22
After experiencing a great service, when taking out a competitive Life Assurance policy via Easy Mortgages brokerage service, I turned to Charles to find a mortgage for a new property.I wanted a reduced repayment period, but I wasn’t sure how this would impact the repayment costs. Over an online meeting, Charles was able to quickly generate several alternate options for me to consider.There was no pressure in terms of our chosen mortgage, and I was impressed that Charles was able to provide an Agreement in Principle by the end of the initial meeting.Charles is a true professional in his industry, who I would not hesitate to recommend.
Samuel MaximousSamuel Maximous
18:06 01 Aug 22
This is my first time applying for a mortgage and Charlie has been extremely helpful in every step of the process. He's always responsive, incredibly patient, and very clear in explaining the process. I couldn’t of asked of a better service. I would definitely recommend and would definitely work with Charlie again for my next mortgage! Thank you so much
Lis SmallLis Small
18:08 04 Apr 22
I recently needed a Buy to Let mortgage and Charles was fantastic. He carried out the necessary research and recommended 3 possible options. He explained the products clearly and was happy to answer any questions, no matter how basic! He saw me through the whole event, ensuring everything was ready for completion.He also helped with a suitable buildings insurance. Again, everything was as promised and now I have a house, properly set up, with happy tenants. Thank you Charles. I will continue to use you when my fixed term comes to an end.I can’t recommend him highly enough.
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    Easy Mortgages Limited is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. 

    Registered address; 41 Agincourt Avenue, Gosport, Hampshire, PO13 8NU. Registered in England & Wales under number 13862954 

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