Income protection and Accident, Sickness, Unemployment Insurance.

As we as providing free and independent advice on mortgages we offer the same great service when it comes to your essential insurances.

Income protection is designed to give you a monthly income if you're unable to work because of an accident or long-term illness. Having a replacement income may be essential to ensure you can meet your mortgage and monthly outgoings, to maintain your lifestyle for you and loved ones.

Accident, Sickness, and Unemployment (ASU) is a flexible insurance. Designed to give you a monthly benefit for a specialized period of the time (typically 12 months) to help you pay your mortgage payments and bills. Unlike Income Protection, ASU is a short term cover, but gives the added benefit of being able to insure against the financial impact of being made redundant. As part of your mortgage application of our expert insurance advisers will contact you to talk through your insurance needs.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse