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Mortgage protection
Taking out a mortgage is often a financial commitment that will span decades.
With a mortgage being one of the largest monthly payments for many of us, it may be worthwhile to consider whether you could continue to meet repayment responsibilities if you suffered a financial shock or whether you should consider mortgage insurance.
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Protecting your mortage
If your household lost its main source of income without warning, would you still be able to pay the mortgage?
It would, at least, put many of us under financial strain. No one wants to think about unexpectedly losing their income, whether temporarily, through illness or injury, for example, or permanently, as the case may be with a long-term disability or the sudden death of a partner.
There are many different protection products to consider such as mortgage life insurance and income protection insurance, as well as calculating the level of income you’d need to cover essentials should you experience a financial shock. We’re here to help you understand what your options are and how to proceed to safeguard your future against the unexpected.
Don't leave it until the last minute
When do you need financial protection?
It’s typically a significant life milestone that triggers purchasing financial protection; buying a house or starting a family are the top two reasons for seeking protection, according to Royal London.
A friend or relative falling ill or dying is also thought to be one of the triggers people start to look at how secure they are and the steps they can take. However, if you or your family would struggle to cope financially should something happen, looking at your options is important.
No one wants to think about becoming seriously ill or injured and we often have an ‘it will never happen to me’ mindset. Yet, the reality is that thousands of people’s financial security are put at risk because of circumstances outside of their control every day.
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