Independent Mortgage Specialists

We recommend all clients ensure they will be able to meet their mortgage commitments should they be made redundant or unable to work due to accident or sickness. You can choose between two types of policies; the first are short term providing a monthly benefit for 12 - 24 months starting immediately following an accident or sickness which prevents you from working, or your involuntary unemployment. The other type is designed to come into effect after a waiting period of between one and six months and will normally pay out the monthly benefit, in the event of you being unable to work due to sickness or accident, for as long as it takes you to recover or until your mortgage ends, whichever comes first. This cover is ideally suited to those who may have some income protection already, such as from their employer, and who wish to extend it to cover their full mortgage term. Various terms and conditions may apply.