Protection

Protection and insurance for anything life throws at you

Your Trusted Partner in Financial Protection

At A. B. Mortgage, we understand the importance of securing your financial future and protecting your loved ones. As your dedicated mortgage broker, we go beyond traditional services, collaborating with a diverse range of providers to offer you comprehensive solutions in life insurance, income protection, and critical illness cover.

Life Insurance: Safeguarding Your Loved Ones’ Future

Life is unpredictable, and planning for the unexpected is crucial. Our expert advisors work with you to navigate the realm of life insurance, ensuring your loved ones are financially secure in the event of the unforeseen. Whether you choose term life insurance, whole-of-life insurance, or decreasing-term life insurance, we tailor solutions to your unique circumstances, providing peace of mind for you and your family.

Income Protection: A Safety Net for Your Financial Well-being

In times of incapacity due to accidents or illnesses, maintaining financial stability is paramount. A. B. Mortgage assists you in selecting the right income protection insurance, designed for the self-employed or anyone relying on their income to cover living expenses. Our range of policies, offering both long-term and short-term benefits, ensures you can meet your financial commitments even during challenging times.

Critical Illness Cover: Financial Security in the Face of Health Challenges

Facing a serious illness is challenging, both emotionally and financially. A. B. Mortgage collaborates with reputable providers to offer critical illness cover that provides a tax-free lump sum payout upon diagnosis. We consider your unique circumstances to tailor coverage for medical bills, mortgage payments, and other living costs during your recovery, providing a financial safety net during difficult times.

At A. B. Mortgage, our commitment goes beyond mortgages – we are your partners in securing your financial well-being. Explore our range of services and let us guide you through the complexities of life insurance, income protection, and critical illness cover. Contact us today, and together, let’s build a resilient financial future for you and your family.

Life Insurance

Life insurance is a type of insurance coverage designed to provide a set amount of money to your beneficiaries in the event of your passing. The primary objective of life insurance is to offer financial security to your loved ones, ensuring they can manage the financial challenges that arise from such an unexpected loss.

Various types of life insurance policies are available in the UK, including term life insurance, whole-of-life insurance, and decreasing-term life insurance. The most suitable policy for you depends on your unique circumstances and requirements.

Term life insurance, the most popular type, provides coverage for a predetermined period, typically ranging from 10 to 30 years. If you pass away during the policy term, your beneficiaries receive a lump sum payment. Should you survive the term, the policy simply expires without any payout.

Decreasing-term life insurance, often utilised to cover mortgages or loans, features a decreasing coverage amount over time, aligned with the outstanding balance of the loan.

At A. B. Mortgage, we can guide you in selecting the ideal life insurance policy that aligns with your individual needs and financial considerations. We take the time to comprehend your unique situation and recommend the most suitable options available to you.

Income Protection

Income protection insurance offers financial support in the event you are unable to work due to an accident or illness. This type of insurance is crucial for the self-employed or anyone reliant on their income to cover living expenses. In the case of injury or illness, income protection insurance ensures a regular income to meet financial commitments like mortgage payments, bills, and living expenses.

Various income protection insurance policies are available, with the choice depending on your needs and circumstances. Typically, these policies provide long-term financial support until you return to work or the policy term concludes. Some may offer short-term benefits, providing support for a limited period, usually up to 12 months.

It’s important to carefully review policy terms and conditions, considering coverage and exclusions, before selecting a policy. Coverage may vary regarding pre-existing conditions or certain job types.

At A. B. Mortgage, we offer expert advice on income protection insurance, assisting you in finding a policy that suits your needs and budget. Working with leading insurance providers in the UK, we strive to provide our clients with the best options for their specific circumstances. Contact us today to explore income protection insurance and safeguard your income and financial future.

Critical Illness

Critical illness cover is a type of insurance designed to provide financial protection if you receive a diagnosis of a serious illness. It typically offers a tax-free lump sum payout to assist with expenses such as medical bills, mortgage payments, and other living costs during your recovery.

Unlike income protection insurance, which provides a regular income during illness or injury, critical illness cover delivers a one-time payout upon the diagnosis of specific critical illnesses, such as cancer, heart attack, or stroke.

The necessary coverage depends on your personal circumstances, including income, expenses, and outstanding debts or mortgages. Assessing the potential impact on your financial stability and meeting obligations during a critical illness is crucial.

At A. B. Mortgage, we collaborate with various providers to help you find the right critical illness cover for your needs. Our experienced advisors can guide you through different policy options, tailoring a plan to meet your specific requirements.

Navigating the complexities of insurance can be challenging, especially when it involves protecting yourself and your family from serious illness. A. B. Mortgage is dedicated to simplifying the process, offering expert advice and support throughout the application and beyond. With our assistance, you can confidently secure the appropriate critical illness cover, providing peace of mind and financial security for you and your loved ones.