Mortgage Protection
We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen. Our panel of protection providers includes: Aviva, Bright Grey, Friends Provident, Legal & General, and Scottish Provident.

We offer the following types of protection:
Mortgage Payment Protection Insurance - also known as Accident, Sickness and Unemployment Insurance, covers your monthly mortgage payments and certain related costs for a specified period of time if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.

Life Cover - This comes in two forms: Level Term Assurance and Decreasing Term Assurance. (Level Term Assurance will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount, and pay out the current amount when a claim is made.)

Critical Illness Cover - To cover you and your family against the financial impact of a critical illness and loss of income through sickness. This cover pays out a lump sum should you be diagnosed with a serious illness. Illnesses covered vary depending on the provider and type of policy.

Income Protection Insurance- This cover will pay you a regular income benefit if you suffer illness or accidental injury and are unable to work leading to loss of earnings. Cover is provided until the end of the plan term, regardless of how many claims you make and during each claim you receive an income every month as long as that claim is valid.