Protecting your mortgage

Protect your houseYou need to think about protecting your home and family. The mortgage isn’t usually the only payment we need to make each month. There are also electricity and gas bills, food shopping, travel costs, childcare... the list is endless.
It is not a pleasant thought, but how would your family cope financially if you died or became critically ill?

Could they keep their home and maintain their current lifestyle?

We are appointed representatives of Legal & General. Their protection products can help provide financial peace of mind. They’re designed to provide a lump sum or monthly benefit, depending on the product you choose. They pay out if, for example, you die or are diagnosed with a specified critical illness during the policy term.

Depending on the products chosen, they could help you to:

  • maintain your standard of living;
  • pay your monthly bills and daily living expenses;
  • pay off your debts; and
  • stay in your family home rather than having to downsize.

How much will it cost me?

Premiums are based on:

  • your age;
  • your sex;
  • your health;
  • whether or not you smoke.

Usually the younger you are the less you’ll pay.

Legal & General offer products that help protect you and your family in a range of circumstances – products that will keep the things that are precious to you safe.

Our financial advisers will help you identify the protection you need and make recommendations that are specific to your circumstances.

We will continue to review your requirements regularly, taking account of any changes to your finances or lifestyle.

Legal & General mortgage protection products (life and critical illness cover) automatically include the following:

  • Terminal illness cover (as long as the policy term is at least two years) Guaranteed insurability option - Where you can increase your level of cover without disclosing any further medical, pastimes or occupation details but only at certain events such as the birth of a child or an increase in your mortgage.
  • Accidental Death Benefit
  • Children’s critical illness cover
  • SmoothMove-24 hour rescue service designed to protect you on your moving day. SmoothMove is provided by Inter Partner Assistance (IPA), who are part of one of the largest international emergency assistance groups

Terms and conditions apply to all Legal & General protection products.

Protection products are not savings or investment products and have no cash value unless a valid claim is made.