Insurance depressing or empowering?

Would you like to live a life where you feel prepared for “life’s challenges” (which inevitably come all of our way at various points in our lives), OR run the risk of “trusting” everything will be ok, and nothing will ever happen to you?

Here at MTGE we do believe in the power of positive thinking, but we also believe in not putting people at unnecessary risk.  We believe in protecting you to the best of our ability and this is why we offer our Mortgage Protection Plan to all of our clients for free.

What is Mortgage Protection?

Mortgage Protection we believe is the single most important thing you can do as a property buyer to make sure you protect yourself from ever being at risk of losing your home.

How?

Sadly, it’s a fact that if you are a joint or main breadwinner and one of you dies without having savings or an insurance policy to help in the event of your death your dependant(s) could lose the house.  We simply never want this to happen to anyone, especially when it does not need to.

For us there is nothing worse than a call from a client who has suffered a loss, been diagnosed with a Critical Illness, or had an accident which has left you unable to work only for us to tell you that we wish we could do something, but you opted out of taking out any insurance to protect you in the eventuality of suffering anyone of these circumstances.  Now the dilemma hits because you do not know how you are going to make your mortgage repayments and household bills without that income.  It’s just the worst for everyone involved…So let’s look at how we can make sure this never happens to you shall we?

Mortgage Protection and how it works

Firstly, you are under no obligation to take out insurance with us at all.  We are not into hard sales techniques, and we do not charge you for our advice. We also work with your budget and your need’s and give you honest advice.  The choice is always yours, so in brief this is what we can offer you a fully advised sale on:

Take advantage of our free advice to find out what Insurance works for your personal circumstances. Work out a budget with our advisor and we will work with you to make sure you and your loved ones are protected for life.

On a positive note…

How amazing would it be not to have to worry! Imagine being able to concentrate on getting better or adapting to a disability knowing that your home is safe, and your loved ones are financially supported.

We work with your needs and understand that life is meant to be forever changing that is why we also offer a FREE Annual review of your Protection Portfolio to make sure you can afford and can adapt to your changing needs.

What have you got to lose? Everything in truth. Protect. Simple

Life Insurance:  A term that in reality should be deemed as a “death” insurance.  This type of insurance pays out in the event of a death of the policy holder within a term specified under contract. The payment is normally in a lump sum.

Will writing:  We offer to pay for wills to our clients to make sure your wishes are honoured in the event of your death, your estate divided as desired, and trustees are appointed if requested.

Family Income Benefit: This is again a death policy but differs from a Life Insurance policy.  In most cases this is used as an option for a policy holder to set up monthly payments to any dependants in the event of their death to help with continued repayments of the mortgage and bills.

Critical Illness Cover:  This is an insurance that protects you in life so if you are sadly someone who is diagnosed with a CI (Critical illness) which is medical diagnosed as Cancer, Heart Attack, or a Stroke this policy is designed to protect you and assist you in the cost of treatment, adjustments to living and earnings depending on the cover of protection undertaken.

Income Protection:  An insurance that protects you from loss of income in the event of an accident or an illness within the terms agreed.  This insurance pays you a % of your salary which is designed in accordance with your own personal budget to ensure you can keep on top of your mortgage repayments and or bills dependant on the term and policy amount.

Facts:   

  • Every 2 minutes someone in the UK is diagnosed with cancer
  • Heart and Circulatory Disease cause 460 deaths each day or one every three minutes in the UK.
  • There are more than 100,000 strokes in the UK each year causing 38,000 deaths, making it a leading cause of death and disability.

Statutory Sick Pay:  The SSP amount is reviewed every April and for the time being it is set at 96.35 pounds per week for up to 28 weeks…Could you pay your mortgage and bills with £96.35?

Can you see why we are so PASSIONATE about protecting you?

What is a Mortgage Protection Portfolio Review?

Each year we do an annual Mortgage Protection Portfolio Review to make sure we listen to any changes that have taken place in your life to make sure your Mortgage Protection Plan is still working for you adjust with your permission accordingly.

So, for more details on how you can take control of protecting you, your family and your home just reach out CONTACT US 

Empowering you today to feel Empowered everyday