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Now that your mortgage is in place, ask Steven to help you sort your protection.
For most individuals and families, a mortgage represents a significant financial commitment and is often the most substantial debt they carry. If you were unable to work due to illness or were to pass away unexpectedly without protection, you or your loved ones might struggle to keep up with mortgage payments or face the risk of losing the family home.
There are several different types of protection. Let Steven support you in finding an excellent deal which suits you and your circumstances.
Types of protection which Steven can support with
Life Insurance
Life insurance is a policy that provides a lump-sum payment to your beneficiaries upon your death. It is designed to financially protect your loved ones in the event of your passing. The policy pays out a death benefit, which can be used to cover various expenses, such as funeral costs, mortgage payments, outstanding debts, and living expenses. Life insurance focuses on providing financial support to your beneficiaries after you pass away.
Whole of Life Cover
Whole of life cover, also known as permanent life insurance, is a policy that provides coverage for your entire lifetime rather than a specific term. It guarantees a payout upon your death, regardless of when it occurs. Whole of life cover is typically more expensive than term life insurance because it offers lifelong protection. This type of insurance is often used for estate planning purposes, providing a financial legacy for your beneficiaries.
Critical Illness Cover
Critical illness cover is a type of insurance that pays out a lump sum if you are diagnosed with a specified critical illness or medical condition listed in the policy. The covered illnesses can vary among insurance providers but often include serious conditions like cancer, heart attack, stroke, and organ failure. The payout from critical illness cover aims to help you cover the costs associated with treatment, medical expenses, lifestyle adjustments, or other financial obligations that may arise due to the illness. Unlike life insurance, critical illness cover pays out while you are still alive and can provide financial support during periods of illness.
Income Protection
Income protection insurance, also known as disability insurance or permanent health insurance, is a policy that provides a replacement income if you are unable to work due to illness, injury, or disability. It typically pays out a percentage of your regular income, which can help you maintain your financial stability and cover your living expenses while you're unable to work. Income protection insurance offers coverage for a specified period, often until retirement age or until you can return to work.
Family Income Benefit
Family income benefit is a type of life insurance policy that pays out a regular income to your beneficiaries instead of a lump sum. Instead of receiving a one-time payout, your loved ones receive a fixed monthly or annual income for a specified period. This arrangement can help ensure that your family has a stable and regular income to cover ongoing living expenses, mortgage payments, education costs, and other financial needs. Family income benefit provides a steady stream of income rather than a lump sum.
Still not sure?
See what some happy clients have said below!
“Steve was extremely helpful in helping us make sure we had everything sorted and ready to go when needed. He was flexible around my work commitments and was happy to answer every question I had. I would highly reccomend”
Google 5 star review: MM
“Steven worked with me and took the necessary time to understand my requirements and recommended a product that fit my needs perfectly. Could not recommend him enough and will for sure make use of his services in the future.”
Google 5 star review: SS
Ways to Connect
Steven understands that your time is valuable. That's why he's made it a priority to offer a flexible approach to consultation, accommodating your busy schedule. Choose from the following options to connect with Steven: