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Here at Birch Mortgage & Financial Solutions, we offer a wide range of insurance solutions to protect you and your family. After all, a mortgage represents a huge financial commitment, and it is vital to make sure you don’t end up in a situation whereby you or your family cannot make the repayments. After all, this will fall on your spouse or children’s shoulders if you lose your job, become critically ill, or pass away. With that being said, insurance protection is more important than ever when taking out a mortgage, and here is the array of options we have available.
- Mortgage payment protection – This policy will ensure that your mortgage payments are made should you become ill or made redundant.
- Income protection – Would you and your family be able to survive if you were no longer able to work? Income protection pays out until you retire, pass away, or return to work, in the event that you can no longer work due to injury or illness. This will give you the security that you can make your mortgage payments even if you can no longer work.
- Critical illness insurance – Critical illness policies are designed to provide a one-off payment, known as a tax-free lump sum, if you suffer one of the serious illnesses that are outlined in the insurance plan. You can use this payout to cover your mortgage repayments.
- Life insurance – Would your family be able to cope financially if you were no longer about? This is something we don’t like to think about, but it is important to take out a life insurance plan to ensure that your family are protected if the worst does happen. This plan will pay out a lump-sum upon your death, which your family can use to pay off your mortgage and such like.
As with all insurance policies, conditions and exclusions will apply.