We don’t just help you into your dream home, we ensure you can always stay there.
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.
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.
The good news is we can advise on the best way to protect yourself and your loved ones.
We can advise you how to protect yourself, your family, your assets and your income.
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.
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.
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.
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.
You need a mortgage broker that understands both your requirements AND your needs. We have your best interests at heart at Easy Mortgages.
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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In a 100% obligation free consultation, we will discuss your personal circumstances and how we can best assist you in your property journey, including;
Contact us anytime.
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
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.
