Personal Protection and Peace of Mind

Father and son walking on the beach

When was the last time you checked your personal protection? Do you know what you are covered for and when you would be eligible to make a claim?

Regardless of whether you have a mortgage or not, you should regularly review your personal protection. Even when you move home, it is vital that you check that the policies are still adequate. There may have been a change in your employment, you may have had children, or you may have given up smoking. All of these events can affect what protection is right for you and the premium you pay.

If you have moved home recently it may have been a stressful time. If you have been looking for a property during the pandemic, and are about to move, you may have got lost in conveyancing backlogs, mortgage service delays, and stamp duty deadlines. Personal protection may not be at the forefront of your mind. 

Why Personal Protection?

It is absolutely vital that you take the necessary precautions to protect yourself and your home. Don’t be the one left saying, ‘I never thought it would happen to me’. Below are some of the types of protection available;

  • Life cover – allows you to make sure your family is protected in the event of your death. It will provide a lump sum during the policy term.
  • Critical illness cover – designed to pay out a lump sum if you are diagnosed with one of many critical illnesses covered in your policy, for example, heart attack, cancer, stroke.
  • Income Protection – providing a monthly income to replace the loss of earnings should you be unable to work due to an accident or sickness.
  • Buildings insurance – a legal condition of any mortgage, this policy protects the property structure, fixtures, and fittings
  • Contents insurance – important if you want to protect any of your belongings against fire, theft, or flood i.e clothing, furniture, white goods, jewellery, electronics

The Cost of Protection

This depends on a variety of factors; age, smoker status, lifestyle, amount of cover, term required, and medical history. 

We’re here to help

Moving is exciting and there is always so much to think about. Protection might not be top of your to-do list, but your circumstances can change quickly. Preparing now ensures you and your family are protected in the future. 

To check whether your current policies are right for you and to review your options, please contact our team.

We're here to help

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Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter