Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters!

Thinking about the consequences should anything happen to the main breadwinner isn’t something any of us want to contemplate. However it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.

Put simply, protection products are policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, lose your job, or in the event of your death.

We have listed some of the most popular types of insurance below:

Life Insurance

Life insurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose. 

Life insurance can be used to cover a mortgage, other loans or simply to ensure that your family is financially protected in the event of death. 

What is it?
A life insurance plan can come in various forms, including decreasing, level or increasing. It covers you for a fixed period of time and pays out a lump sum if you die during the policy term. 

With some life insurance policies, you can add additional options, such as critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.   

As Independent Mortgage & Protection Advisors we can help you find the plan that best meets your requirements. 

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Cheshire Office

24A Charles Street
Hoole, Chester
Cheshire CH2 3AZ

Wirral Office

388 Chester Road
Little Sutton, Chester
Cheshire CH66 3RA