If you have a mortgage it is essential to protect yourself for the future. Protection policies are there in case the worst happens. Taking time to put sufficient protection in place when you arrange your mortgage means that you and your family will have peace of mind, just in case of a life changing event.
Pure Mortgage and Protection are not only specialist mortgage advisers, but we can also access the market for your protection needs. As well as recommending the most suitable policies for you, we can help with all of the relevant paperwork to make sure your cover is in place when your mortgage completes.
At Pure Mortgage and Protection we offer a range of protection insurances:
This is an insurance policy that covers you if you are unable to work because of injury or illness. It does not pay out if you are made redundant. Income protection pays a percentage of your gross salary until you can return to work again.
Life and/or Critical Illness Protection
Life insurance pays out a sum of money after your death. Critical Illness pays a sum of money if you are diagnosed with a defined critical illness. These two policies can be combined, which will allow for a one time claim that will pay out in the event of either diagnosis or death.
Accident, sickness, unemployment Protection (ASU)
ASU insurance protects you in case of incapacitation due to an accident, sickness or unemployment through no fault of your own. You will typically receive a proportion of your income for up to 12 months to help cover your outgoings whilst you recover.
Building and Contents Protection
Building and Contents insurance can be purchased separately or combined. These policies cover damage that occurs to the house or its contents. Building protection is essential for all mortgaged houses, with many mortgage suppliers making it compulsory. It protects against unforseen circumstances and can save you from incredibly high losses in the event of a disaster.