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A life insurance policy pays out in event of premature death either a lump sum or regular monthly instalments. The money can be used to i. clear off any mortgage debt leaving the house debt free ii. replace your lost income offering financial support to your partner to assist with your child(rens) upbringing iii future financial security for child(rens) university fees etc.
CRITICAL ILLNESS COVER
A critical illness policy pays out a lump sum in the event of you, or your child(ren) being diagnosed with a critical illness (Cancer, heart attack, benign brian tumour, MS). The illnesses which can strike at any age will be life changing not only to the person diagnosed but their family. The plans can be tailored to your specific budget and the pay-out will alleviate financial worries whilst the diagnosed is trying to recover.
Depending on what type of income protection plan you take out the policy can pay a regular tax-free monthly income either when i. you are unable to work through illness/injury ii. compulsory redundancy or having to cease self-employment through no fault of your own. Different income protection plans have their own specifics regarding % of income one can protect, deferred period for pay-out to start, length of pay out period. The monthly benefit sum can be used to pay your mortgage, bills, food, living expenses and other financial commitments.
BUILDING & CONTENTS
Building Insurance is a requirement of a mortgage lender.
Buildings insurance covers the structure of the property (Walls, Roof, Windows etc.) as well as fixtures and fittings (fitted kitchen units, bathrooms). Contents insurance covers furniture, white goods, TV’s, Laptops etc. You you can also choose to cover personal belongings away from the home, accidental damage, legal expenses and home emergency assistance. Landlord insurance is designed to cover a buy to let property so that landlords are not left financially out of pocket from an investment in which they’re ideally looking to take an income. Kelli Wilson trading as KW Mortgages act as a credit broker not a lender for buildings, contents and landlords insurance.