Life assurance

Many of us will know someone who has died or suffered a critical illness, which can have devastating effects on those around them. Whilst our lives may be going well, none of us know what’s round the corner but it’s at this point that plans should be made so that you are protected and your finances don’t become a problem.

At the Independent Mortgage Store with every mortgage we will now provide a full risk and mortgage protection report to ensure that you are aware of your options and costs for cover. This report will highlight life assurance, critical illness cover and income protection options.

Being totally independent we can research the whole of market to ensure you obtain both the best and cheapest product to suit your needs. Even if you have been declined in the past due to previous medical conditions we can still quote you even if you have suffered from illnesses such as Diabetes 1&2, metal health issues, high BMI up to 55, heart attack, stroke, cancer , multiple sclerosis and now even HIV.

Critical Illness Cover: Pays out a lump sum or regular payment in the event that you are diagnosed with a critical illness specified in your policy.

Life Cover: Pays out a lump sum or regular payment to your family in the event of death.

Income Protection: Protects your income in the event of prolonged illness by paying out a regular payment after a set deferred period and can run a set term or up to your specified retirement age should you become ill.

Family Income Benefit: Pays out a regular income to your family in the event of your death or in the event of a critical illness specified within your policy.

Accident, Sickness & Unemployment Cover: Pays out if you lose your job or become unable to work through illness, injury or redundancy.

Have You Been Declined Life Cover? Struggled to get life cover? Have you suffered from any of the following medical conditions:- Diabetes 1&2, metal health issues, high BMI up to 55, heart attack, stroke, cancer, multiple sclerosis or HIV…no problem we can help. High risk job/hobbies not approved? Again we can help!

Remember review Your Life Insurance: The cover you need changes as your life does. Make sure your cover keeps up with your life and that all your policies are in trust to avoid any potential inheritance tax liability.

• We have over 20 years of experience in advising people on financial matters
• We’ll search the entire insurance market to find the option that’s right for you
• We are directly authorised and regulated by the Financial Conduct Authority
• We offer 100% free, no-obligation initial consultations to see how we can help