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Mortgage Protection & Insurance
We all insure our pets, cars and mobile phones, but not many of us insure our lives or incomes, it is crucially important to have protection in place, especially if you have mortgage debt.
You might want to consider how you and your family will cope if something unexpected happened to you or how you would pay your monthly mortgage if you could not work due to illness.
At Kingsland James mortgage services, we can help you with all your mortgage protection requirements to ensure you have a level of cover in place should the worst happen.
Common protection policies:
A life assurance policy which will repay your outstanding mortgage should you or your partner die, this is a great policy for anyone with a mortgage.
FIB is life assurance that will ensure that your family receive a tax-free, monthly income in the event of your death.
Critical Illness policies are designed to pay out a lump sum or a monthly income if you are diagnosed with a qualifying illness.
Income Protection policies provide a tax-free, monthly income in the event of your incapacity. We recommend that anyone with a mortgage debt should have some Income Protection, whether you are employed or self-employed.