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Mortgage Protection


Life Cover - Decreasing Term Assurance

Decreasing Term Assurance is designed to repay your repayment mortgage in the event of the death of the borrower(s). The sum assured is designed to reduce over the term of the policy in line with your capital repayment mortgage loan. If the mortgage interest rate exceeds the assumed rate of your policy (e.g 10%), the lump sum payable on death may not cover your outstanding mortgage. Decreasing Term Assurance has no cash in value.

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Life Cover – Level Term Assurance

This is normally taken out as family protection, and is also often used in conjunction with a mortgage to provide life cover protection in the event of the death of the life assured during the term of the policy. Unlike decreasing term assurance the sum assured remains level throughout the term of the policy in line with your interest only loan.

Critical Illness

This is usually available as an addition to all term assurance plans but can be bought on a stand alone basis. Critical illness generally allows for the lump sum benefit to be paid in the event of diagnosis of certain critical illnesses, such as Heart Attack, Stroke, Transplant, Blindness, Total & Permanent Disability and so on. Most providers conform to the Association of British Insurers standards for qualifying illnesses and it is important that you fully understand the terms of each illness. Critical Illness can be provided on either a guaranteed or reviewable premium basis.

Income Protection

This would provide you with an income in the event of prolonged illness or incapacity. This would enable you to replace your lost income and ensure that your mortgage repayments continue to be made.

Mortgage Payment Protection ( Unemployment Cover).

This is designed to provide you with a regular income sufficient to meet your monthly mortgage repayments in the event of redundancy/sickness.

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